Individual Retirement Accounts (IRAs)

A variety of Individual Retirement Account options are available to you at RCU. No matter which IRA you choose, you'll receive the unique benefits of tax deferred dividends. Our IRA products include:

• Traditional and Roth IRAs
• Coverdell ESAs
• SEP
• Learn More about IRAs
• IRA Deposits Are Now Insured to $250,000 by the NCUA

IRA Money Market Accounts

If you're looking for a liquid IRA option, consider an RCU IRA Money Market Account.

• Traditional and Roth IRAs
  • Allows you to defer taxes on IRA earnings until funds are withdrawn
  • Certain contributions are tax deductible, ask your tax advisor for details
  • Minimum balance of $5 ($100 to earn dividends)
• Money Market Growth IRA - minimum opening deposit as low as $5 ($100 to earn dividends)

IRA Share Certificates

If you're interested in a term IRA, consider an RCU IRA Share Certificate.

• Variety of terms to choose from three months to five years
• Minimum balance $1,000
• Dividends are compounded and paid monthly

Traditional IRA Forms & Applications Traditional IRA Application Traditional IRA Contribution Direct Transfer Instruction Trad IRA Rollover & Transfer Traditional IRA Beneficiary Change

Roth IRA Forms & Applications Roth IRA Application Roth IRA Contribution Direct Transfer Instruction Roth IRA Rollover & Transfer Roth IRA Beneficiary Change

Learn More about IRAs, Saving and Investing

• IRA Frequently Asked Questions (FAQs)
• Roth IRA Frequently Asked Questions (FAQs)
• Traditional IRA Frequently Asked Questions (FAQs)
• IRA Basics: Is the Traditional or Roth Right for You?
• 7 Secrets of 401(k) Success
• Introduction to Traditional and Roth IRAs Brochure
• Roth IRA Brochure
• Traditional IRA Brochure
• Comparing Your IRA Options Brochure
• Doors Open Wide to Roth IRAs
• Retirement Planning Brochure
• IRA Rollovers

Rates

• IRA Share Certificate rates
• View all rates

If you have questions or would like to apply for an RCU IRA Share Certificate, please call us at: (800) 479-7928, or visit an RCU branch.

---

Coverdell Education Savings Account (ESA)
The Coverdell Education Savings Account (formerly known as an Education IRA) can be a smart way to save for your child's education.

• Nondeductible account that features tax-fee withdrawals for child's qualifying higher education expenses
• Minimum balance of $5
• Coverdell ESA FAQs
• Coverdell Brochure
• Current Rates

Coverdell ESA IRA Forms & Applications Coverdell ESA IRA Application Coverdell ESA IRA Contribution Coverdell ESA Direct Transfer Instruction form Coverdell ESA Direct Transfer & Rollover form

If you have questions or would like to establish an RCU Coverdell Education Savings Account (ESA), call us at: (800) 479-7928, or visit an RCU branch.

---

Simplified Employee Pensions (SEP)
SEPs are an easy way employers can set up a plan to provide retirement income for themselves and their employees. Our SEPs include:

• An Employer’s Guide to Simplified Employee Pension Plans
• Simplified Employee Pension (SEP) Social Security Integration Option
• Simplified Employee Pension (SEP) Pro Rata Option

SEP Shares

• Low minimum balance of $5 ($100 to earn dividends)
• A higher maximum annual contribution than a traditional IRA

SEP Certificates

• Variety of investment terms (1 year; 18 months; 30 months; 2,3,5, or 8 years)
• $1,000 minimum balance
• Dividends are compounded and paid monthly

Current rates (Note - SEP Share & Certificate rates mirror RCU's Regular Share & Certificate rates)

If you have questions or would like to establish an RCU SEP Certificate, please call us at: (800) 479-7928, or visit an RCU branch.

---

It's your money - it's your choice. When you've decided which RCU Retirement and Investment Account is best for you, simply complete an online Checking application or print off the form and mail a completed copy to us. If you have questions about our Retirement and Investment accounts, please call us at: (800) 479-7928, or visit an RCU branch.