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IRAs

IRAs
Individual Retirement Accounts are a great way to save for the future. United 1st offers Traditional, Roth, and Education IRAs. Dividends are paid quarterly to IRAs. 

Did you know… when you leave your job or retire, you can keep the tax-deferred status of your qualified retirement plan by rolling it over into an IRA. (Conduit)

The funds in the IRA are accessible; however, until age 59 ½ there will be a 10% early distribution penalty unless you qualify for an exemption.

For more information contact us to speak to an IRA Specialist.

Annual contribution limits:

Year
Under age 50
50 and over
2009
$5000
$6000

Traditional IRAs
Roth IRAs
Contributions can be tax-deductible
Contributions allowed at any age
Earnings tax-deferred
Qualified distributions can be tax-free

IRA Certificates
Funds in an IRA at United 1st can be used to open an IRA certificate to earn higher interest. Certificate terms offered are 12, 24, and 36 months. Dividends are paid monthly.

Check out our current rates!

 

Introduction to IRAs
Traditional IRAs
Roth IRAs
Coverdell ESAs
Comparing your IRA Options
IRA Rollovers
Retirement Planning
Georgia Credit Unions

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