Individual Retirement Arrangements (IRA)

The sooner you set up an IRA, the more you will have at retirement as interest on the fund compounds. Choose the IRA option that is right for you:

Traditional IRA Share:

  • Set up regular, tax-deductible contributions
  • Access at any time with a penalty under age 59 ½
  • Access funds as taxable income without penalty at age 59 ½ or older
  • Contribution limit of $5,500 for members under the age of 50 and $6,500 for members 50 years and older
  • Minimum balance of $5, a $5 setup fee, and $6 annual maintenance fee

Roth IRA Share –

  • Earning higher dividends over the life of account
  • Contributions are not tax-deductible
  • Earnings are taxed if withdrawn early before the age of 59½
  • Contribution limit of $5,500 for members under the age of 50 and $6,500 for members 50 years and older
  • Minimum balance of $5, a $5 setup fee, and $6 annual maintenance fee

IRA Certificate  

IRA Certificates can be a great way to make your IRA funds work even harder for you. With specific maturities and higher rates, your retirement dollars can grow faster.

Certificate Rates

View Certificate Rates
Certificate Rates

Account Type Term Dividend Rate APY1 Info
IRA Certificates2 12 months 0.05% 0.05% aprox .20 rate bump w/any active draft
24 months 0.05% 0.05% aprox .45 rate bump w/any active draft
36 months 0.30% 0.30% aprox .50 rate bump w/any active draft
60 months 0.90% 0.90% aprox .50 rate bump w/any active draft
1 APY = Annual Percentage Yield
2 $5 quarterly fee if balance is below minimum
All rates on this page subject to change at the discretion of the Board of Directors

Retirement 101 with VALIC Financial AdvisorsMissoula Federal Credit Union has partnered with VALIC Financial Advisors, Inc., the leading provider of retirement plans for public K-12, higher education, healthcare, government and other not-for-profit institutions, to give our members access to VALIC’s advisors within our branches. This is an incredibly valuable benefit of your MFCU membership that you can’t find anywhere else. Through VALIC, you can take advantage of various investment and insurance programs that are tailored to fit with MFCU’s savings plans. This includes:

  • 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

Securities and investment advisory services are offered by VALIC Financial Advisors, Inc., member FINRA, SIPC and an SEC-registered investment advisor. VALIC represents the Variable Annuity Life Insurance Company and its subsidiaries, VALIC Financial Advisors, Inc., and VALIC Retirement Services Company. Please note that investments with VALIC are not federally insured, not guaranteed by MFCU, involve investment risk including possible loss of principal, and may lose value.

For more information about VALIC, visit the VALIC website.