Member One’s Retirement Planning Series: Part 1
What does retirement look like to you? What you need to consider more than where you’re going to be is how you’re going to get there.
Investments
Building for the future starts with investing now. We help you with short- or long-term needs, whether you’re preparing for retirement, or just want to get more out of your money over the course of a few months or years.*
We Recommend
Tax Now or Tax Later? Determining Your Investment Options for Future Financial Success
While there is certainly no way to avoid taxes entirely, there are investment options to help cushion the financial blow from the certainty of taxes.
Grow Your Wealth—A Beginner’s Guide to Investing
You pack your lunch every day, skip the coffee shop latte, and pay with cash to avoid overspending. Congratulations! You’re a saver.
Investing in a Money Market Account Could Be a Win for Your Savings
If you have surplus funds and you’re looking for ways to get more bang for your buck, consider a money market account.
Share Certificates
Earn a high yield with low minimum balance requirements.
- Competitive rates
- A variety of terms and investment options available
- Youth certificates
Money Market Accounts
Earn more now. Our money market accounts offer tiered dividends and competitive rates, along with the following features:
- No minimum withdrawal amount
- Deposit more, earn more (dividend eligibility begins at $2,000)
- Easy access to funds. (Federal regulation allows for unlimited in-person withdrawals and a limit of 6 online or mobile transfers per month.)
IRA Accounts
Prepare for tomorrow with our Traditional and ROTH IRA accounts.
Traditional IRA Accounts
- Contributions may be tax deductible
- Earnings grow tax deferred until withdrawn
- Credit union interest penalties may apply based on the investment option you choose
- Certificate and variable investment options
Roth IRA Accounts
- Certificate and variable investment options
- Contributions may be withdrawn at any time
- Earnings may be withdrawn tax and penalty free for a qualified reason after account is open for five years
- Credit union interest penalties may apply based on the investment option you choose
- No withdrawal requirements no matter how old you are
Coverdell Educational IRA Accounts
- Contributions grow tax and penalty free if used for qualified educational expenses
- Funds can transfer to another child in the family if beneficiary does not go to college
- Variable rate programs available
IRA Savings Account
Sometimes when you’re saving, the first step, or even just the next, can feel overwhelming. Our IRA Savings Account helps keep things simple so you can start investing today.
- The account works with your current budget and lifestyle needs.
- Automatically deposit a set amount through payroll deduction or recurring transfer.
- When your IRA Savings Account reaches $1000, you can transfer your funds into a high-yield IRA certificate term of your choice.
- Available for Traditional and Roth IRAs.
- Contributions are limited by federal IRA regulations.
Visit a retail center to get started today.
*You may wish to consult a licensed tax advisor to discuss specific needs. You can also speak with one of our representatives to start the conversation today.
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