We offer TRADITIONAL, ROTH & EDUCATIONAL IRA share accounts an IRA certificates for your retirement needs. Nearly everyone under age 70 1/2 can contribute up to $5,000 annually to an IRA. With the ROTH IRA, you will not receive a tax deduction for IRA contributions, but your earnings are tax free even when withdrawn as long as they have been on deposit for at least 5 years and meet one of the qualified reason tests. Earnings on a TRADITIONAL IRA are tax-deferred until the IRA holder makes a withdrawal, and the owner may be able to take a tax deduction for his contributions. Parents, grandparents and even children themselves can contribute up to $2,000 per child a year for an EDUCATIONAL IRA that will be used for educational related expenses.
	All accounts Federally insured by the National Credit Union Administration up to $250,000
NCUSIF insures IRA share separately now up to $250,000 With ESI - total coverage on an IRA share account may be as much as $500,000