IRA Accounts / IRA Certificates

Individual Retirement Accounts (IRAs) provide a safe and easy way for you to personally save for your retirement.

Benefits include:

IRA savings accounts at Harbor Pointe Credit Union have no minimum deposit and no administrative, transfer or transaction fees. Your funds in a Harbor Pointe IRA are federally insured by the NCUA up to $250,000, separately from your other savings accounts at the credit union.  We offer savings Traditional IRA and Roth IRA’s as well as Traditional and Roth IRA certificates. See our certificate rates page for current rates and balance requirements to open an IRA certificate.

Your Traditional IRA earnings will grow tax-deffered until withdrawn, and contributions may be tax deductible, consult your tax professional.

With a Roth IRA, regular contributions can be made at any time. You may withdraw from your Roth IRA penalty-free for the following reasons: age 59 1/2, death or withdrawal for first-time home purchase.

Harbor Pointe Credit Union also offers SEP (Simplified Employee Plans) – An employer may make contributions to a traditional IRA of their eligible employee.

Please call or stop by Harbor Pointe Credit Union for more detailed information.