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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.
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FMFCU IRA Accounts Feature:

  • No set-up or annual maintenance fees
  • $5 minimum to open
  • Convenient deposits through payroll deduction and e-Banking
  • IRA Certificates with terms from 3 months to 5 years
  • Variable rate IRAs with no term
  • Competitive Rates
  • IRAs are insured up to $250,000 by the National Credit Union Administration (NCUA)
  • Available as a Take Control Certificate

IRA Information for 2015:

  • Contributions for 2014 may be made up until 4/15/2015
  • e-Banking contributions to our variable rate IRA Savings Account only available for 2015 contributions
  • IRA contribution limit for 2014-2015 is $5,500; $6,500 if you are 50 or older

2015 IRA Rollover Rule Change:

  • Effective January 1, 2015, once an IRA owner completes one IRA to IRA Rollover, any subsequent attempts to complete a Rollover will not be allowed for 12 months. If subsequent IRA Funds are removed, it will be reported as a taxable distribution. Click here for additional information.


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