• Earn dividends quarterly
  • Enjoy the stability of a fixed rate of return
  • Taxes are deferred* until you make a withdrawal, allowing dividends to grow faster
  • You may be eligible to deduct* some or all contributions to your IRA on your tax return
  • Your funds are federally insured, separate from your other Pinal County FCU accounts, to at least $250,000


Rates & Fees

  • Open with as little as $5.00
  • No annual maintenance fee
  • Fee Disclosure

Effective Date: 07/01/2021
Dividends paid quarterly
$5.00 - $4,999 0.03% 0.03%
$5,000 - $9,999 0.05% 0.05%
$10,000 & Over 0.07% 0.07%
*APY = Annual Percentage Yield. Dividends paid monthly



Why is a Traditional IRA different than a Roth IRA?
The main difference is in the possible tax treatment. Funds you contribute to a Traditional IRA may be tax deductible, and you do not pay taxes until you begin to withdraw money during retirement. With a Roth IRA, your contributions are not tax deductible, and your earnings are not taxed. There are income restrictions and other differences, always consult a tax professional to see what is possible for your specific situation.

When can I withdraw money from my Traditional IRA?
With a Traditional IRA, you can withdraw at anytime, but will pay a 10% penalty plus income taxes if you make a withdrawal before age 59 ½ or older.

What is the maximum per year I can contribute to my Traditional IRA?
There are several factors that play into your specific contribution limit, and it can change from year to year. We recommend you consult a tax professional or the IRS website for the most current information.

*Consult your tax adviser regarding your individual tax situation

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