- 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
|$5.00 - $4,999||0.10%||0.10%|
|$5,000 - $9,999||0.15%||0.15%|
|$10,000 & Over||0.75%||0.75%|
|*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 situationGo to main navigation