Wouldn't it be smart to have the financial security you deserve when you reach retirement?
Owning an IRA is one of the best money decisions you can make. Be prepared for your golden years with tax-exempt or tax-deferred retirement savings through an Individual Retirement Account (IRA) from TDECU. It’s the smart choice!
Our Traditional and Roth IRAs each offer distinct advantages. Both allow your money to grow much faster than a regular savings account.
TDECU offers IRA savings, IRA Money Markets, and IRA Certificate of Deposit accounts to meet your needs. Select the Features/Options tab for more detailed information.
To provide even greater flexibility, TDECU offers IRA Savings, IRA Money Markets, and IRA Certificates of Deposit to fund your Traditional or Roth IRA. Which account is right for you?
|Traditional IRA||Roth IRA|
|*Often 100% deductible||*Not deductible|
|*Taxable, but penalty-free under certain circumstances; required beginning at age 70 1/2||*Tax-free at any time five years after first contribution, and under certain circumstances|
|Savings Account||Money Market||Certificate of Deposit Account|
|*Dividends compounded and paid monthly||*Dividends compounded and paid monthly||*Dividends compounded and paid monthly|
|*Additional deposits at your convenience||*Additional deposits at your convenience||*Additional deposits at maturity only|
|*No minimum balance||*$2,500 minimum balance||*$1,000 minimum balance|
|*No maturity date||*No maturity date||*Terms from 3 to 60 months|
Rates & Fees
Terms & Conditions