Individual Retirement Accounts - Circle Federal Credit Union

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FRAUD ALERT: SPOOFED PHONE CALLS

Circle Federal Credit Union has been made aware of fraudulent phone calls that appear to come from our phone number. Scammers may claim there is suspicious activity on your account and ask for your credit or debit card number, PIN, online banking credentials, or Social Security number.

Please remember: Circle Federal Credit Union will NEVER call you and ask for your full card number, PIN, or Social Security Number.

If you receive one of these calls, hang up immediately, do NOT provide any personal or account information, and call us directly using the phone numbers listed on our website. Your security is very important to us. If you have any concerns about your account, please contact us directly.

Home > Investment & Insurance > Individual Retirement Accounts

Individual Retirement Accounts

Saving money for retirement has never been easier. In fact, IRA's are one of the best ways to fund your retirement.

Both Traditional and Roth IRAs available
Open an IRA Share Savings account
No minimum balance required
Competitive monthly dividends earned on daily balance over $100
Dividends compounded and credited monthly
Direct deposit accepted
Open an IRA Term Share Certificate
Low minimum deposit of $100.00
Terms up to 36 months
Dividends compounded and credited monthly
No maintenance fees
Competitive dividend rates
Tax deferred earnings on Traditional IRAs until withdrawn
Tax-free earnings and withdrawals on Roth accounts
No worry federally insured savings

Traditional IRA vs. Roth IRA

Traditional IRA: Contributions may be tax deductible.

Roth IRA: Contributions are not tax deductible, but your earnings are generally tax-free and stay tax-free even when you withdraw them.

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