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IRA Savings

Retire with confidence


Whether you are invested in an employer-sponsored plan or you’re just beginning, an Individual Retirement Account (IRA) allows you to save for your retirement and potentially save on taxes. Then, you can enjoy a higher income after you retire and make the most of your golden years.

IRA Savings Options

Traditional IRAs

May allow you to make pre-tax contributions.

Contributions grow tax-deferred, allowing immediate tax benefits. Income limitations may apply.

Best suits someone who expects to be in the same or lower tax bracket when beginning to take withdrawals.

Roth IRAs

Allows you to make after-tax contributions.

Contributions grow tax-free, but there are no current-year tax benefits.

Best suits someone who expects to be in a higher tax bracket when beginning to take withdrawals.

Want More Options?

We also offer IRA Certificates with flexible terms and great rates.

View IRA Certificates


Traditional IRAs may offer Tax benefits now

Take advantage of tax benefits today. Contributions to a Traditional IRA may be tax-deductible. Consult with a tax advisor to understand the tax benefits and conditions of a Traditional IRA.

Roth IRAs offer Tax-Free Growth

Take advantage of tax benefits in retirement. You don't have to pay taxes on distributions from your Roth IRA savings, so you can keep more for retirement.

Competitive Dividends Credited Monthly

No matter which IRA Savings account you choose, you'll earn higher rates compared to many other savings options, so you can better prepare yourself for retirement.

No Annual Fees

Preparing for retirement shouldn't cost you more, so we don't charge annual fees to maintain your IRA Savings account.

And More...

As high as APY
Current Savings
Dividend Rate
Adjust for inflation
Dividends compound monthly. Read assumptions

Total Retirement Savings

Annual Retirement Income

They were good listeners, spoke clearly, and were very efficient and kind. Felt like " the old days" of REAL customer service!

— G.N.

Why Choose Us?

We’re kind of like a family, only we’re a credit union

A lot of places say they treat you like family. At Fibre Federal Credit Union and TLC, we take it seriously. We’re the people you see at the grocery store and around town. We know you. We know your needs. We’re a part of your community and your family.

Better rates + low fees = happy members

When you become a member of the Fibre Family, you become an owner. We offer better rates and low fees to satisfy the people who matter most to us — people like you.

In person, virtual, or online

We love seeing you face-to-face. But if you prefer, you can give us a call, visit a virtual representative at one of our ITMs (Interactive Teller Machines), or bank online. It’s your choice, depending on how social you feel!

Your home is our home, so we like to keep it nice

We support our communities with programs, sponsorships and volunteer opportunities to make our community a better place to live.

How it works

Saving for retirement doesn't have to be difficult. Open a Traditional or Roth IRA in three easy steps:

  • 1

    Contact us

    Let us know you'd like to open an IRA.

  • 2

    Choose the best option

    Make an initial deposit.

  • 3

    Enjoy steady growth

    Grow your retirement savings with tax advantages.

IRA Savings

Enjoy your golden years

Build your retirement savings with confidence in a high-yield Traditional or Roth IRA savings account.

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