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.
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Can be opened without any employer participation
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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.
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Your contributions are taxed, meaning your principal is never subject to taxes or penalties in the future.
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Your money grows tax-deferred
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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.
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Share club IRA pays a monthly dividend rate
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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 our 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.