Individual Retirement Arrangements (IRAs)
The sooner you start setting money aside for retirement, the better! An Individual Retirement Account (IRA) is a personal savings plan that gives you tax advantages.
Get Retirement Ready with an Individual Retirement Account (IRA)1,2
An IRA is a personal savings plan with some added tax advantages that make it perfect for building up your retirement fund. In fact, you may be able to deduct your annual contributions – either in part or in whole – earnings are generally not taxed until you take a distribution. NCUA insures your IRA up to $250,000 and the Excess Share Insurance Corporation (paid for by APCU/Center Parc) insures your IRA up to $250,000. That’s a total of $500,000 insurance on your retirement funds.
We also make it easy to manage your IRA from the comfort of your desktop or mobile device with our Retirement Central platform:
- Enjoy secure access to complete and execute forms and documents
- Put numbers behind your retirement plan with access to our planning tools calculator
- Discover insights based on where you are in your planning journey
- Dig into timely content
- Get answers to frequently asked retirement planning questions
Select from the options below to determine which account is best for you:
Traditional IRA
Defer taxes on contributions until the time of withdrawal.
- Competitive dividend rates
- Minimum opening deposit of $1
- $1 minimum balance to earn dividends
- Dividends are compounded and paid monthly
- No annual fees and no management fees
Contact Member Services at (800) 849-8431 for additional information or stop by your nearest branch.
Roth IRA
Pay taxes up front so you won’t pay them on withdrawal.
- Competitive dividend rates
- Minimum opening deposit of $1
- $1 minimum balance to earn dividends
- Dividends are compounded and paid monthly
- No annual fees and no management fees
Contact Member Services at (800) 849-8431 for additional information or stop by your nearest branch.
IRA Certificate of Deposit (CD)
Grow retirement dollars tax-free.
- Competitive dividend rates
- Minimum opening deposit of $2,000
- Terms from 12 to 60 months
- Dividends are compounded daily and paid quarterly
Contact Member Services at (800) 849-8431 for additional information or stop by your nearest branch.
1You must be a member to open an IRA account. Not a member yet? Find out if you’re eligible to join!
2APCU/Center Parc does not give tax advice, please consult your tax advisor.