Individual Retirement Accounts.

Your future is safe and secure because your money is in an IRA at the credit union. All of our IRA accounts feature the following:

• No account set-up fees
• Competitive rates
• No maintenance fees
• Insured deposits
• Payroll deductions to simplify contributions
• Low minimum deposit requirements

TRADITIONAL IRA.
With a Traditional IRA at the credit union, you can contribute all or part of your earned income. You’ll never have to worry about taking chances with your financial future with an IRA at the credit union. Your money is secure. The amount of deposit each tax year is established by law. There are some restrictions. Contributions may be deductible. Consult your tax advisor for complete details. See current rate schedule for annual percentage yield.

ROTH IRA.
The Roth IRA offers many benefits, including the ability to withdraw without paying taxes. Although contributions are not deductible, earnings can be withdrawn after the account has been opened for five years, when you turn 59 1/2, become disabled or need to use it for a first-time home purchase. There are some restrictions. Please consult your tax advisor for complete details. See current rate schedule for annual percentage yield.

COVERDELL EDUCATION SAVINGS ACCOUNT. (formerly known as Educational IRA) The Coverdell ESA offers many benefits, including allowing withdrawals for qualified higher-educational purposes. There are some restrictions. Please consult your tax advisor for complete details. See current rate schedule for annual percentage yield.

MEMBER BENEFITS SAVE YOU MORE. The credit union offers lots of member benefits. Ask at any branch about discount movie passes, our discount gasoline program, personalized insurance quotes, shared branching and much more. Why do we do more for our membership? Because we're a not-for-profit organization owned by our members. We exist only to serve our member/owners not some corporate bottom line. That's why ownership counts.

IRA SHARE CERTIFICATES.
This long-term, tax-deferred personal retirement savings plan allows you to contribute all or part of your annual earned income and earn a better dividend rate than a regular IRA. IRA Share Certificates are available for Traditional, Roth or Educational IRAs in 3-, 6-, 9- 12-, 18-, 24-, 36- and 48- and 60-month accounts. (Budget Certificates are not available for IRA Share Certificate accounts.) See current rate schedule for annual percentage yield.

No matter what type of IRA you choose, you'll have peace of mind knowing that your retirement is safe—and completely insured—with HCFCU.