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Retirement Savings Accounts

Let’s think about tomorrow

At Missoula Federal Credit Union, we know that planning for retirement can be complicated — you want to know you’re saving enough for a comfortable future. We can help you get there.

Help Me Choose

  • Best if you want

    Best if you want

  • Access to savings

    Access to savings

  • Annual contribution limits

    Annual contribution limits

  • Minimum balance

    Minimum balance

  • Fees

    Fees

Traditional IRA Share

  • Best if you want

    Save now tax-free, pay taxes at a lower bracket when you withdraw

  • Access to savings

    Withdraw funds as taxable income: 1) with penalty under age 59½; 2) penalty-free at age 59½ or older

  • Annual contribution limits

    $5,500 if under age 50; $6,500 if age 50 or older

  • Minimum balance

    $5

  • Fees

    $12 setup; $12 annual maintenance

Roth IRA Share

  • Best if you want

    Pay taxes now, earn higher dividends over the life of the account

  • Access to savings

    Withdraw earnings tax-free at age 59½ or older; pay taxes on earnings with early withdrawal

  • Annual contribution limits

    $5,500 if under age 50; $6,500 if age 50 or older

  • Minimum balance

    $5

  • Fees

    $12 setup; $12 annual maintenance

IRA Certificates

Want to make your IRA funds work even harder for you? IRA Certificates offer specific maturities and higher rates, so your retirement dollars can grow faster.

Get started

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IRA Rates

IRA Share Savings
IRA Share Savings

Dividend Rate

APY1

1 APY = Annual Percentage Yield. Fees may reduce earnings.

The rates and terms shown are effective as of December 22, 2018.

Dividend Rate

0.10%

APY1

0.10%

 

IRA Certificate of Deposit1
IRA Certificate of Deposit1

Term

Dividend Rate

APY2

Info3

1 $5 Monthly fee if the balance is below minimum $1,000.
2 APY = Annual Percentage Yield. Fees may reduce earnings. Early withdrawal penalties may apply to certificate accounts.
3 Active Draft – minimum 1 deposit and 5 withdrawal transactions per month.

The rates and terms shown are effective as of May 1, 2019.

Term

12 months

Dividend Rate

0.50%

APY2

0.50%

Info3

approx .50 rate bump w/any active draft

Term

24 months

Dividend Rate

0.75%

APY2

0.75%

Info3

approx .50 rate bump w/any active draft

Term

36 months

Dividend Rate

0.80%

APY2

0.80%

Info3

approx .50 rate bump w/any active draft

Term

60 months

Dividend Rate

1.00%

APY2

1.00%

Info3

approx .50 rate bump w/any active draft

See all savings rates

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Retirement 101 with VALIC Financial Advisors

Our credit union partners with VALIC Financial Advisors, Inc.,* the leading provider of retirement plans for public schools (K-12), higher education, healthcare, government, and other not-for-profit institutions. Thanks to VALIC, we can give our members financial advice right from our branches.

Take advantage of your credit union membership and explore the investment and insurance programs that VALIC has tailored to fit our savings plans.

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What’s on Your Mind?

  • Asset Allocation
  • Brokerage/Cash Management Accounts
  • Disability Insurance
  • Financial Planning
  • Fixed And Variable Annuities
  • Insurance Planning
  • Investment Planning
  • Life Insurance
  • Long-Term Care Insurance
  • Mutual Funds
  • Retirement Planning
  • Employee Retirement Plans for Small Businesses

Save for Retirement

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