Certificates and IRA's

Share Certificates
* Federally insured by the NCUA.
* Dividends are added onto the Share Certificate monthly, or
* Members may request dividends to be added to their regular share account or sent to them each month by check.
* Maturity notices are sent to members prior to maturity.
* Certificates are automatically renewed at the current rate for the same term.
* Rates are fixed at the time the certificate is purchased.
* Some restrictions/limitations apply - see Disclosure for more information.

Traditional IRA's
* Federally insured by the NCUA.
* Earnings are tax deferred.
* Contact a credit union representative for information on contributions.
* Tax Penalties may be assessed by the IRS for excessive contributions, distributions, and/or failure to meet minimum distribution requirements.
* IRA earnings are tax-deferred until withdrawn and then must be declared as income.
* Consult your tax advisor
* Some restrictions/limitations apply - see Disclosure for more information.

Roth IRA's
* Federally insured by the NCUA.
* IRA contributions are not tax deductable, but withdrawls may not need to be declared as income.
* Consult with your tax advisor.
* Tax Penalties may be assessed by the IRS for excessive contributions, distributions, and/or failure to meet minimum distribution requirements.
* Contact a credit union representative for information on contributions.
* Some restrictions/limitations apply - see Disclosure for more information.

Educational IRA's
* Federally insured by the NCUA.
* IRA contributions are not tax deductable, but withdrawls used for qualified higher education expenses are tax-free.
* A great way to save for educational expenses. * Tax Penalties may be assessed by the IRS for excessive contributions, distributions, and/or failure to meet minimum distribution requirements.
* Maximum contributions are currently $2000 per year, per child.
* Some restrictions/limitations apply - see Disclosure for more information.

Call 419-407-4140 for more information on rates and term lengths.