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Individual Retirement Accounts

Traditional IRAs

A smart way to save for the future. Many people choose traditional IRAs in lieu of or in addition to employer-offered 401(k) plans.

  • Can be opened without any employer participation
  • Contributions and earnings are tax-deferred until retirement

Unlike many employer plans, your money is always accessible.

Until age 59 and-a-half, there will be a 10% early distribution penalty, unless you qualify for an exemption.1


Roth IRAs

Offering a tax-deferred twist to traditional IRA saving, a Roth IRA could be right for you.

  • Your contributions are taxed, meaning your principal is never subject to taxes or penalties in the future.
  • Your money grows tax-deferred
  • No 70 and-a-half age limit on contributions like in Traditional IRAs

If you do not withdraw any earnings in the first five years, or if you satisfy one of the qualifying events, then your tax-deferred earnings become tax-free!


Advantage IRA Certificates

Smart options for short-term saving.

  • Share club IRA pays a monthly dividend rate
  • Certificate terms available from six to 60 months

A minimum of $1,000 is required to set up a share certificate and $250 for an IRA club.


In addition to these great IRA options, Peach State can help you achieve all of your investing goals through the Peach State Investment Services program! Peach State Investment Services is offered through CUNA Brokerage Services, Inc.2, a broker/dealer focused on serving credit union members. CUNA Brokerage Services, Inc. is an affiliate of CUNA Mutual Group.

Peach State Investment Services3 is here to help you through a lifetime of financial planning needs with programs for retirement, insurance and investing.

  • 1 Possible exemptions include disability, qualifying education expenses, unemployment, qualifying first-home purchases, death or receipt of your IRA assets in equal payments over your life expectancy.
  • 2 Peach State Investment Services Advisors are registered representatives of CUNA Brokerage Services, Inc.
  • 3 Peach State Investment Services Advisors are registered representatives of CUNA Brokerage Services, Inc. Securities sold, advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC , a registered broker/dealer and investment advisor, which is not affiliated with the credit union. CBSI is under contract with the financial institution to make securities available to members.
    Not NCUA/NCUSIF/FDIC insured, May Lose Value, No Financial Institution Guarantee. Not a deposit of any financial institution.
    CUNA Brokerage Services, Inc., is a registered broker/dealer in all fifty states of the United States of America.
  • FR-2168571.1-0718-0820

Corporate Office

1505 Lakes Parkway, Suite 100
Lawrenceville, GA 30043
No branch onsite.

Email: psfcu@peachstatefcu.org
Phone: 678.889.4328
Toll-Free: 855.889.4328

Routing Number: 261174759

Copyright © 2018 Peach State Federal Credit Union
All Rights Reserved. This credit union is federally insured by the National Credit Union Administration.
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