IRAs
It's never too early to start saving for your retirement. Pacific NW offers Traditional and Roth IRAs, as well as Coverdell Education Savings Accounts. We can help you save for your future, while taking your current tax needs into consideration. Traditional IRAs have become more popular because of expanded income limits, which means that more people are able to make tax-deductible contributions. Roth IRAs and Coverdell Accounts are not tax-deductible, but qualified withdrawals are tax-free*. Not sure what IRA is right for you? Contact us at 1.800.444.5858, or stop by your local branch. Our competitive rates are tiered, so the more you contribute, the more you will earn. IRA accounts are insured separately from other accounts up to $250,000.
With the current media coverage on troubled banks, you may be wondering if your accounts are secure at the credit union. The short answer is, yes!
Our credit union is sound and stable. Credit unions are federally insured by a fund that is backed by the full faith and credit of the U.S. government. The National Credit Union Share Insurance Fund (NCUSIF) insures credit union member funds to $250,000. For more information on federal share insurance click here.
Click here to print our rates and disclosures. Click here to review our service charges.
Traditional, IRA or Roth IRA Certificate account rates are fixed for the length of the term and are determined by the opening dollar amount.
* APY = Annual Percentage
Yield. APY set forth assumes funds will remain on deposit until
maturity. Early withdrawal penalty applies. Deposits insured
to $250,000 by the NCUA. IRA accounts insured separately by
the NCUA up to $250,000. Rates subject to change without notice.
See your Member Relations Officer for complete details. Certificate
account rates are fixed for the length of the term and are determined
by the opening dollar amount.
† Minimum balance for Youth Certificates is $100. Youth Certificates are available only to members 18 years of age and younger. Minimum opening balance for members 19 years of age and older is $1000. |
| Pacific
NW Federal Credit Union Investment Center |
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A
complimentary service for our members, designed to assist you
in organizing your finances and reaching your investment goals. This
financial management service is a separate entity from Pacific
NW Federal Credit Union and is governed by its own rules. |
APY
varies with investment** |
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** Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through CFS are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. Pacific NW Federal Credit Union has contracted with CFS to make non-deposit investment products and services available to credit union members.
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* Please consult your tax advisor regarding IRA tax deductibility and for specific tax advice.
Click here for savings calculator
Are you not sure which investment is right for you? Contact CFS Member Services at 858-530-4400 or refer to our Financial Planning resources for more information.
