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We’ll make it easy to set up an Individual Retirement Account (IRA).

An Individual Retirement Account (IRA) is a personal retirement savings plan available to anyone who receives earned income during the year. IRAs bring together two tremendously powerful benefits—compound interest and tax savings. IRA accounts are federally insured by the National Credit Union Administration at an additional $250,000 above the $250,000 of insurance on other deposits at the credit union.

How much do you need to save? Learn more using our Retirement Calculator.

The right IRA depends upon your return expectations and timeframe for investing. Traditional or Roth? Learn more about the differences, contribution limits and more. A Heritage team member can assist you in selecting the best IRA investment option, or consult with your tax advisor for advice.

Coverdell Education Savings Account

The perfect tool to save for your child’s education. Contribute up to $2,000 per child per year, until the child reaches the age of 18 (exceptions for special needs beneficiaries). Use the savings for expenses such as tuition, fees, books and computers. Spend your investment on qualified education expenses at a qualified elementary, secondary or post-secondary institution.

  • Money grows tax-deferred
  • Withdrawals are tax-free and penalty-free for qualified education expenses
  • Funds can be transferred from one child's account to an account for another child in the family
Table of Individual Retirement Accounts
IRA Money Market IRA Certificate Share Savings Account

Tiered rate structure, earn a higher rate on higher balances

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Use any of our Certificate rates and terms

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Variable rate account

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  • High rate of return
  • Funds can be withdrawn at any time (see account limits)
  • No administration fees
  • Higher rate of return, based on term selected
  • No administration fees
  • No minimum balance requirement
  • Funds can be withdrawn at any time
  • No administration fees

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