IRAs
Each passing year brings us wisdom. Whether retirement is way down the road or just around the corner, you're definitely wise enough to know that it's the right time for a long-term saving strategy.
Secure Your Future with a Traditional or Roth IRA
Traditional IRA with potential tax-deductible contributions and Roth IRA that offers tax-free withdrawals in retirement are powerful ways to grow your savings.
Build a Better Future with an IRA Certificate
An IRA Certificate gives you a steady, low-stress way to grow your savings—and feel good about your financial future while you’re at it.
Stay Flexible While Growing Your Retirement Savings
With our IRA MaxSaver Money Market Account, you can earn more on your savings—without giving up easy access to your money.
| IRA (Traditional/Roth) | IRA Certificates | IRA MaxSaver Money Market Account |
|---|---|---|
| Tax Benefits | ||
|
Yes (Traditional = tax-deferred, Roth = tax-free growth)
|
Yes (inside an IRA wrapper, same tax benefits as IRAs)
|
Yes (same as Traditional or Roth IRA depending on account type)
|
| NCUA Insured | ||
|
Yes
|
Yes
|
Yes
|
| Access to Funds | ||
|
Restricted until retirement age (may incur penalties)
|
Restricted until maturity + IRA rules
|
Limited access (retirement rules apply)
|
| Minimum Deposit | ||
|
$500
|
$500
|
$5
|
| Term Length | ||
|
Not term-based
|
3 months – 5 years
|
No fixed term
|
| Flexibility | ||
|
High (can invest in a range of assets)
|
Low (locked in until maturity)
|
Moderate (subject to retirement account rules)
|
| Next Steps | ||
| IRA (Traditional/Roth) | ||
|---|---|---|
| Tax Benefits | ||
|
Yes (Traditional = tax-deferred, Roth = tax-free growth)
|
||
| NCUA Insured | ||
|
Yes
|
||
| Access to Funds | ||
|
Restricted until retirement age (may incur penalties)
|
||
| Minimum Deposit | ||
|
$500
|
||
| Term Length | ||
|
Not term-based
|
||
| Flexibility | ||
|
High (can invest in a range of assets)
|
||
| Next Steps | ||
| IRA Certificates | ||
|---|---|---|
| Tax Benefits | ||
|
Yes (inside an IRA wrapper, same tax benefits as IRAs)
|
||
| NCUA Insured | ||
|
Yes
|
||
| Access to Funds | ||
|
Restricted until maturity + IRA rules
|
||
| Minimum Deposit | ||
|
$500
|
||
| Term Length | ||
|
3 months – 5 years
|
||
| Flexibility | ||
|
Low (locked in until maturity)
|
||
| Next Steps | ||
| IRA MaxSaver Money Market Account | ||
|---|---|---|
| Tax Benefits | ||
|
Yes (same as Traditional or Roth IRA depending on account type)
|
||
| NCUA Insured | ||
|
Yes
|
||
| Access to Funds | ||
|
Limited access (retirement rules apply)
|
||
| Minimum Deposit | ||
|
$5
|
||
| Term Length | ||
|
No fixed term
|
||
| Flexibility | ||
|
Moderate (subject to retirement account rules)
|
||
| Next Steps | ||
Join today to get in on these great benefits!
RUN THE NUMBERS
Work towards a secure retirement.
UVA Community Credit Union is a full-service financial institution with locations throughout Virginia's Central Piedmont and Valley area.
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Disclaimers
Membership eligibility required. Minimum ongoing balance of $5 is required in a UVA Community Credit Union Share Savings Account.