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700 E. Sharon Ave.
Houghton, MI 49931

Phone: 906.482.5005
Fax: 906.482.2451

Routing Number: 291172682

Tuesday, May 23rd - 12:57 PM


IRAs (Individual Retirement Accounts) are annual investment accounts with tax advantages that you can contribute to each year. IRAs are meant to supplement your 401(k) or social security for retirement.

We can put your money to work with protected funds that have no fees whatsoever and no minimum balance to open! We offer three types of IRAs to meet your needs: Traditional, Roth, and Coverdell.

Traditional IRAs offer tax-deferred earnings, and the possibility for tax deductible contributions. You can contribute to a traditional IRA if you earn compensation and you will not reach age 70 1/2 by the end of the year.

Roth IRAs offer unique and exciting savings opportunities. Not only can it help with retirement needs, but it can also help with first-time home purchases or other financial goals. This flexibility makes the Roth IRA appealing to many different age and income groups. Although it’s not a one-size-fits-all solution, the Roth IRA will give many members an easy and safe way to plan for the future.

Coverdell Education Savings Account IRAs are special accounts with the sole purpose of paying education expenses of the child named on the account (the designated beneficiary). Earnings will accumulate tax free and withdrawals will be tax-free if used for education expenses for the designated beneficiary by the time he or she reaches age 30.

Come in and visit one of our loan officers to set up an IRA and begin accumulating the maximum amount your money can earn.

Deposit Rates Dividend Rate APY*
IRAs 0.15% 0.15%

*APY (Annual Percentage Yield) – Rates are subject to change without notice.


Financial Calculators – Our calculators can help answer the following questions:
Which is better for me, a Traditional IRA or a Roth IRA?
How much will my Traditional IRA be worth at retirement?
How much will my Roth IRA be worth at retirement?
How long will my retirement savings last?

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