Individual Retirement Accounts

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Individual Retirement Accounts

Traditional IRA
Defer taxes until you start to withdraw money at retirement. All or part of your contributions may be tax-deductible. More

Roth IRA
Make after-tax contributions and you may be able to withdraw your earnings tax-free at retirement. More

Simplified Employee Pension (SEP) IRA
This account is designed to benefit members who are self-employed or own a small business. More

	Traditional	Roth	SEP
Contributions	Generally tax deductible⁵	Not tax-deductible	Funded by employer contributions only; generally tax-deductible⁵
Earning	Tax-deferred	Tax-free	Tax-deferred
Distribution	Withdrawals after 59½ may be subject to federal and state taxes	Qualified withdrawals are free from federal income tax	Withdrawals after 59½ may be subject to federal and state taxes
2009 Contribution Limit	Individual: Up to $5,000 Married filing jointly: Up to $10,000 ($5,000 each) Catch-up contribution of $1,000 applies to members 50 and over		$49,000
	Learn More	Learn More	Learn More
	Open an Account	Open an Account	Open an Account

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*APY = annual percentage yield. Yields are subject to change at anytime. +APR = annual percentage rate. Rates are subject to change at anytime. †Rate quoted above is for a 30-year fixed conforming loan up to $417,000, on 7/09/2010. Mortgage Rates change daily and are subject to change at anytime, without notice. Actual interest rates and APRs may vary based on credit history, final loan amount and finance charges. Yields and rates current as of 9/6/10. Members will earn the qualifying yield/rate at the time of account opening. Refresh page to ensure you are viewing the current yields and rates.
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