Plan for Retirement with an IRA
Do you have enough money set aside to be financially stable in your retirement years?
Bring your retirement goals to Orange County's Credit Union and we'll work with you to get on track with an Individual Retirement Account (IRA).
Whether it's an IRA savings or IRA Certificate, we can help. Retirement is likely your most significant long-term financial goal, so keep your assets working hard and prepare for the reward that lies ahead.
Start Growing Your Contributions
- Choose a Traditional or Roth IRA based on your needs and preferences.
- Open at any Orange County's Credit Union branch. Make an appointment for added convenience!
- Funds contribute to your Relationship Rewards.
- Have peace of mind knowing funds are Federally insured by NCUA up to $250,000.
IRA Account Options
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Relying on Social Security alone will provide a fraction of the income you'll want in order to continue living the lifestyle you've come to enjoy. To maintain a comfortable and secure retirement, creating a personal savings plan to maximize your earnings is more important than ever. An IRA savings can provide the additional income you'll need. Getting Started with IRA Savings
Open an IRA at any Orange County's Credit Union branch.
Book Appointment
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It's been said that you'll need 70-80% of your current income in order to maintain a comfortable retirement. An IRA Certificate is a low-risk option that can the additional savings you'll need. About IRA Certificates
Open an IRA at any Orange County's Credit Union branch.
Book Appointment
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Relying on Social Security alone will provide a fraction of the income you'll want in order to continue living the lifestyle you've come to enjoy. To maintain a comfortable and secure retirement, creating a personal savings plan to maximize your earnings is more important than ever. An IRA savings can provide the additional income you'll need.
Getting Started with IRA Savings
- Open with as little as $25
- Option to set up automatic recurring contributions from checking, savings, or payroll¹
- Dividends compounded daily and paid monthly on average daily balance of $250 or more
- Choose Savings or Money Market
- Enjoy no setup or annual maintenance fees, and no monthly service charges
It's been said that you'll need 70-80% of your current income in order to maintain a comfortable retirement. An IRA Certificate is a low-risk option that can the additional savings you'll need.
About IRA Certificates
- Choose a term from 6 months to 5 years
- Enjoy no fees for setup or annual maintenance²
- Open with a minimum of $1,000
- Interest compounded daily and paid monthly
- Automatic reinvestment³
Calculators
- Am I saving enough for my retirement?
- What may my 401K be worth?
- How much retirement income may my 401K provide?
- How much can I contribute to an IRA?
- I'm self-employed, how much can I contribute to a retirement plan?
- Compare a Taxable Investment to a Tax-Deferred Annuity
- Compare Taxable vs. Tax-Free Investment Return
¹The IRS limits the amount you can contribute to your retirement account each year. Consult with your tax advisor for more information. For information regarding specific tax qualifications, also consult a tax advisor. Unless certain criteria are met, restrictions, IRS penalties, and income taxes may apply on withdrawals taken from retirement accounts prior to age 59 ½.
²As with any Certificate of Deposit (IRA and non-IRA) early withdrawal penalties may apply. Ask us for details.
³At maturity, account automatically renews for the same term as the previous term, at the rate in effect on the maturity date. When available, Special Term Certificates renew at the nearest lower standard term. At maturity and during the grace period, you may change the term or balance of your account. The grace period begins at maturity and ends seven calendar days later.