Individual Retirement Account ( IRAs )


Workmen’s Circle Credit Union can help you plan for your future. Depending on your specific needs or tax situation, you may choose from a variety of IRA products. Members may choose from Traditional and Roth IRA’s. WCCU has trained personnel on staff to assist members in their decision.

Regular IRA Account Rate APY
With balance between $50.00 - $2,499.99 0.35% 0.35%
With balance above $2,500.00 0.65% 0.65%
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Or Call Us At:   912.356.9225

FREQUENTLY ASKED QUESTIONS

+ Is my money secure?

  • The aggregate total of a member’s WCCU IRA accounts is federally insured up to $250,000 by the National Credit Union Administration (NCUA) and is backed by the full faith and credit of the United States Government.

Traditional vs Roth IRA

Traditional IRA

A Traditional IRA can be a valuable retirement savings tool. As long as you are under age 70 ½ and have earned income, you can establish and contribute to a Traditional IRA. As a tax deferred account, the tax advantages of a Traditional IRA make saving for retirement easy and painless.

Roth IRA

Setting money aside now in a Roth IRA is a great way to ensure tax-free income during retirement. As long as you are eligible, you can contribute to a Roth IRA and start taking advantage of its many benefits. Simply invest after-tax dollars and let the earnings accumulate tax-deferred. Later, if certain qualifications are met, you can withdraw the money tax-free. That’s the key advantage of investing in a Roth IRA.

 

Or Call Us At: 912.356.9225