Individual Retirement Accounts

Start saving today to help with tomorrow.

Valley Communities Credit Union offers several different IRA accounts in both Traditional and Roth form.

Traditional IRA

We offer traditional IRA which offers tax deductible contributions. A traditional IRA is available to anyone under age 70½ with earned income compensation.

Roth IRA

If you have earned income, you may contribute no matter your age. Contributions are not deductible, but may be withdrawn tax-free.

Features Traditional or Roth
IRA Passbook
(Savings Account)
Traditional or Roth IRA Certificate Traditional or Roth IRA Money Market
Best if you want to... save for retirement while earning interest on your savings. earn more interest on fixed terms. earn more money on your retirement savings while still having easy access.
Balance to open $.01 $5,000.00 $10,000.00
Online Banking Free
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Free
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Free
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Minimum balance to earn interest $.01 $5,000.00 $25.00
Interest Rate & Annual Percentage Yield Click Here for current rates. Click Here for current rates. Click Here for current rates.
Monthly Service Charge None None None
E-Statements E-Statements are free through NetBranch. E-Statements are free through NetBranch. E-Statements are free through NetBranch.
Deposits Insured by NCUA up to $250,000 Yes Yes Yes

Can I open both a Traditional and Roth IRA?

Yes. Opening both types of retirement accounts allows you start a balanced retirement portfolio. Consult your tax advisor to decide where your contributions should be made.

For more information and answers to your questions about establishing an IRA at Valley Communities Credit Union, talk to one of our member service representatives.

Valley Communities Credit Union does not provide tax advice. Consult your own accountant or tax advisor before acting on this information.