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Roth IRA

Choose a Roth if you don’t need the tax break right now. It’s a more flexible investment because you can withdraw regular contributions anytime tax-free and penalty-free. Roth IRA contributions are not tax deductible, however it offers tax-free withdrawals if the account has been opened for at least five years and you are either over age 59 ½, disabled, or buying a first home or for your child’s higher education expenses.

Beginning in 2015, you can make only one rollover from an IRA to another (or the same) IRA in any 12-month period, regardless of the number of IRAs you own. The limit will apply by aggregating all of an individual’s IRAs, including SEP and SIMPLE IRAs as well as traditional and Roth IRAs, effectively treating them as one IRA for purposes of the limit.

Features Benefits
Conversions from traditional IRAs permittedPeace of mind
No minimum balance required. However, if the aggregate balance drops below $100, there is a $10 monthly feeFlexible
No required annual contributionsFlexible
Contribution limit is based on the members modified adjusted gross income (MAGI) Limit depends on filing status and incomePeace of mind
Dividends are calculated using the average daily balance method and compounded monthlyEarns dividends
Earnings are tax free after five (5) tax years when withdrawn for the following reasons: after age 59 1⁄2, disability, death, first time home purchaseSavings
Withdrawals of earnings may be penalty free for a qualified reason; pre 59 1⁄2 periodic payments, after age 59 1⁄2, disability, death, large medical expenses, medical insurance during unemploymentSavings
Rates and deposit terms are same as traditional IRAsFlexible
No age limit for contributionsConvenient
Not required to start withdrawals at age 70 1⁄2Flexible
You may access your account in person, over the phone, Online Banking, and mailConvenient
Maximum annual combined contributions allowed to Roth IRAs is $5,500 or 100% earned incomeSavings
Catch up contributions allowed for individuals 50 and older $1,000Convenient
Contributions can be made until the tax return deadline each yearConvenient
Federally insured by NCUA for up to $250,000Peace of mind
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