IRA

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.

Get Started

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.

Table of Individual Retirement Accounts
	IRA Money Market	IRA Certificate	Share Savings Account
Rates	Tiered rate structure, earn a higher rate on higher balances See Rates	Use any of our Certificate rates and terms See Rates	Variable rate account See Rates
Benefits	High rate of return Funds can be withdrawn at any time (see account limits) No administration fees	Higher rate of return, based on term selected No administration fees	No minimum balance requirement Funds can be withdrawn at any time No administration fees

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

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