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Additional IRA Information

Other Products

Coverdell Education Savings Account

Learn more about:
Retirement Investing

Download Quick Guide:
Retirement Savings
Tax Reduction Strategies

Individual Retirement Accounts (IRAs)

IRAs are a wise choice for retirement savings and a great addition to your retirement saving strategy. Whether you're opening a new IRA, or you have a rollover from another plan, we have a retirement account that will fit your needs.

FMFCU IRA accounts feature:

No set-up or annual maintenance fees
$5 minimum to open
Convenient deposits through payroll deduction
IRA Certificates with terms from 3 months to 10 years
Jumbo Certificates available
Variable rate IRAs with no term
Competitive Rates
IRAs are insured up to $250,000 by the National Credit Union Administration (NCUA)

Traditional IRA

Save taxes today: Your annual contributions are tax-deductible, depending on how much money you earn, your marital status, and whether you participate in a retirement plan at work.

Get Details & Comparison

Roth IRA

Save taxes tomorrow: Your annual contributions are not tax-deductible, but when you retire, your withdrawals are tax-free.

Get Details & Comparison

Simplified Employee Pension (SEP)

A retirement plan for employers and the self-employed, the SEP features all the advantages of a traditional IRA with higher contribution limits and no upper age limit for participants.

Get Details & Comparison