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Individual Retirement Accounts (IRAs)

Save for Retirement with Confidence.

 

Save for Retirement with a PAFCU IRA

An Individual Retirement Account (IRA) from PAFCU helps you build retirement savings with tax advantages and competitive dividend rates—backed by the security of a credit union.

At PAFCU, IRAs are available as IRA Savings Accounts or IRA Certificates, giving you flexible or fixed-rate options to grow your retirement funds.

 

 

Why Choose a PAFCU IRA?

Tax-advantaged retirement savings

 

Competitive credit union dividend rates

 

Flexible IRA Savings or fixed-rate IRA Certificates

 

Easy rollovers from existing retirement accounts

 

Federally insured by the NCUA up to $250,000

IRA Options at PAFCU

Traditional IRA

Save for retirement with potential tax-deferred growth. Contributions may be tax-deductible, and earnings grow tax-deferred until withdrawal.

Roth IRA

Enjoy tax-free qualified withdrawals in retirement. Contributions are made with after-tax dollars, and earnings grow tax-free.

 

IRA Image

 

How Your IRA Funds Are Held

IRA Savings Account

  • Flexible contributions anytime
  • Earn dividends on your balance
  • Ideal for ongoing retirement savings

IRA Certificates

  • Fixed dividend rates for a set term
  • Higher earning potential than savings
  • Terms range from 3 months to 5 years

 

Looking for More Investment Options?

For IRAs that include stocks, mutual funds, or other investment products, connect with our financial advisor to explore additional retirement planning solutions.

 

Important Information

IRA eligibility, contributions, and tax benefits vary. Consult a qualified tax advisor for guidance based on your individual situation.