Rebrand – answers to frequently asked questions

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As we transition, you’ll log in from an interim page. It’s fully secure and you can return to the website by tapping the Credit Union logo.

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IRA
ACCOUNTS

Home » Investment Accounts » IRA Accounts

Ready to take charge of your financial future? Whether you’re planning for retirement or looking to grow your wealth, an IRA offers the perfect blend of security and growth potential. With tax advantages and a range of options, you’re empowered to shape your tomorrow, starting today. At Rize Credit Union, we offer a variety of Individual Retirement Account (IRA) options, including Traditional, Roth and Simplified Employee Pension (SEP) IRAs.

View account comparisons below or visit ira.gov for more detailed information.

Traditional & Roth account features

SEP account features

Which IRA is right for you?

Traditional IRA

Funds are tax-deferred; taxed upon withdrawal
Earnings grow tax-deferred
Your income doesn’t affect yearly contribution limits
Those ages 59½ and older avoid early withdrawal tax penalties
You pay taxes on all amounts withdrawn
Required Minimum Distribution (RMD) must begin at age 72. Situations may vary; consult with a tax expert

Roth IRA

Funds are taxed before funding; qualified withdrawals are tax-free
Earnings grow tax-free
Your income affects yearly contribution limits
Those ages 59½ and older avoid early withdrawal tax penalties
You won’t pay taxes upon withdrawal if funds have been in the IRA account for at least five years

SEP IRA