Earn More From Your IRA With 3.00% APY*

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What is an IRA?

IRA stands for Individual Retirement Account. It's a personal retirement plan where your earned income is contributed into an IRA account regardless of whether you participate in an employer's retirement plan or 401K. It's a great way to make your money earn more for you.

Why an IRA is a good choice

Why an IRA
is a good choice.

When deciding which option is right for you, there are a few things to consider and qualifications you may need to meet, but saving early is always a good choice.

Safe and Secure   Safe and Secure

Quickly earn more   Quickly earn more

Take advantage of tax incentives   Take advantage of tax incentives

Save early and relax later   Save early and relax later

Which IRA is right for you?

There are two types of IRAs, and the main difference is when you pay taxes on your deposits and withdrawals.

With a TFCU IRA account, you earn more with a 3.00% APY*. Decide which option is best for you with the help of our Retirement Funds Coach.

Traditional IRA

A traditional IRA is tax deferred. This means that you can contribute money before it's taxed, and you don't owe taxes on those contributions or your earnings until you withdraw the money.

Traditional IRA

Roth IRA

A Roth IRA is not tax deferred, which means you owe taxes when you contribute the money to the account.

Roth IRA

At TFCU we offer one of the best
IRA return rates in the nation!

See how much you should be saving in order to enjoy the quality of life you want with our free retirement calculator!

*APY = Annual Percentage yield. Rates are in effect until further notice and are subject to change at any time. Based on competitive rate analysis as of 2/14/2022.