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Main Branch:
700 E. Sharon Ave.
Houghton, MI 49931

Phone: 906.482.5005
Fax: 906.482.2451

Routing Number: 291172682

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Thursday, April 24th - 9:33 AM


IRAs (Individual Retirement Accounts) are annual investments, with some tax advantages, to which you can contribute each year. Credit union IRAs are savings accounts that supplement your 401(k) or social security.

We can put your money to work for you 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 for you. Here is a complete list of our current rates.

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