Investments
Our investment accounts can help you
achieve your long-term goals.
IRAs
Be retirement ready.
Traditional – Pre-tax contributions now, taxable distributions later.
- No minimum deposit required
- Ability to easily perform rollovers, payroll deductions, and regular contributions
- Easy periodic payments during your retirement years
- May be subject to additional restrictions and tax penalties (Always consult your tax advisor)
Roth – Post-tax contributions now, tax-free distributions later.
- No minimum deposit required
- Ability to easily perform rollovers, payroll deductions, and regular contributions
- Easy periodic payments during your retirement years
- May be subject to additional restrictions and tax penalties (Always consult your tax advisor)
To open an IRA account you must first have established a Membership Savings account, join here or contact us to learn more!
Education Savings
Educational savings from Kindergarten through College.
Qualifying expenses include:
- Tuition and fees
- Books and supplies
- Computer equipment used for school
- Transportation
- Room and board may be covered in some cases. Check out the Coverdell Education Savings Account Rules from the IRS
Account Benefits:
- Earns dividends
- No maintenance fee
- No transfer fee
- Earnings are tax free
*Contribution limits may apply
To open a Education Savings account you must first have established a Membership Savings account, join here or contact us to learn more!
Share Certificates
Save and earn more. Make your funds work harder.
- Higher, steady savings rates
- A variety of commitment terms
- Can be used as loan collateral
- Will automatically renew at the same term and the rate in effect at maturity. MAY NOT APPLY TO LIMITED-TIME SPECIALS.
- Substantial penalty for early withdrawal
- View rates
To open a Certificate of Deposit account you must first have established a Membership Savings account, join here or contact us to learn more!
Health Savings
Your tax-deductible backup medical account.
- Earns Dividends
- Earnings are tax-deferred or tax-free when used for qualified medical expenses
- Qualified medical expenses paid with pre-tax dollars
- Balances carry over year-to-year
- Starting at age 65, unused funds may be used as taxable retirement income
- May be subject to additional restrictions and tax penalties (Always consult your tax advisor)
To open a Health Savings account you must first have established a Membership Savings account, join here or contact us to learn more!
Try our Free Retirement Funds Coach!
When you invest in a retirement account, your money will grow until you’re ready to retire. But how do you know whether to use a Traditional or Roth retirement account? The Coach session will walk you through both types of accounts and show how your personal retirement savings will be affected by either one.
Helpful Links
Transitioning to Retirement
When you’re mapping out the best route to collecting retirement income, there’ll be several forks in the road. But you can arm yourself with knowledge to make informed decisions.
Certificate of Deposit
If you need to save aggressively, a high-interest certificate of deposit (CD) may be right for you.
Individual Retirement Accounts
Individual retirement accounts (IRAs) can look intimidating and cryptic when you begin planning for retirement, but there are some foundational lessons to learn so you plan wisely.
Filling Out the FAFSA
If you're considering going to college, you have nothing to lose by applying for federal student aid.
Acclaim FCU Mobile
Download our mobile app for easy, on-the-go banking.
