Saving for your retirement with an IRA may be the first step toward securing your financial future. The next step may be choosing which type of IRA – Traditional or Roth – best meets your needs. Plus, as with all of CCFCU’s IRA accounts, there are no maintenance fees.
All CCFCU IRA deposits are insured up to $500,000 – $250,000 through National Credit Union Administration (NCUA) and $250,000 through Excess Share Insurance (ESI). Learn More
Nationally Certified IRA Specialists On Staff. With all these choices, you’ll be glad to know we have Nationally Certified IRA Specialists on staff to ensure your IRA is handled with the utmost care.
A CCFCU Traditional IRA may provide you significant immediate tax savings, and due to the deferral of all taxes on earnings, the power of compound earnings is strengthened. Contributions are tax-deductible if you qualify. Not intended to provide tax advice. Contact a tax professional.
CCFCU Roth IRAs offer unique and exciting savings opportunities, and they’ve gotten better over the years. Roth IRAs give many members an easy and safe way to plan for the future. Contributions are allowed at any age and qualified distributions are tax-free. Not intended to provide tax advice. Contact a tax professional.
Seeing a child work toward a college degree is a parent’s dream. But with rapidly escalating costs of higher education, this dream can become a financial nightmare. A Coverdell Educational Savings Account (ESA) can help parents sleep at night. Not intended to provide tax advice. Contact a tax professional.
IRA Share Certificates
IRAs give you tax advantages for long-term retirement savings and certificates give you a fixed rate for the entire term of the deposit. We’ve combined the two to give you more investment options.
CCFCU’s IRA Certificates are one of the safest ways to save for retirement. Our IRA Certificates are insured federally by the National Credit Union Administration (NCUA) and privately through Excess Share Insurance (ESI) for up to a total of $500,000* – federally insured up to the $250,000 by the NCUA and an additional $250,000 privately insured through ESI (Learn More). With a fixed rate for the length of the certificate, IRA Certificates offer steady returns.
Safe : CCFCU IRA deposits are insured for up to a total of $500,000* – up to the $250,000 by the NCUA and an additional $250,000 through ESI.
Easy : Convenient automatic renewal.
Steady Returns : Earn a fixed rate for the term of the Share Certificate.
Additional IRA Information
NCUA Electronic Share Insurance Estimator
The NCUA Electronic Share Insurance Estimator is available to help members better understand the protection offered by the NCUSIF. This interactive site allows users to input data to compute the amount of NCUSIF coverage available under different account scenarios.