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Individual Retirement Accounts (IRA)

Traditional, Roth Accounts & Certificates

Saving for retirement? Well, there’s no better place for your hard-earned IRA savings than FD Community!  We offer both Traditional IRA and Roth IRA accounts options. Choose from an IRA Accumulator Savings Account or a Term Certificate over 12 months in term.

Traditional IRAs 

Use this IRA option to claim a tax deduction for your eligible contributions.  Your money grows tax-deferred in a Traditional IRA, meaning you don’t pay taxes on it until you make withdrawals.  Accounts are subject to federal guidelines, and you’ll need to consult your tax advisor for your individual limitations. 

Roth IRAs

With a Roth IRA Account, you make eligible contributions with after-tax dollars and your money grows tax-free as long as you make your withdrawals from the IRA after the designated retirement age or for certain approved purposes.  For contribution limits and rules affecting your individual situation, please consult your tax advisor.

Stop by any branch to open your IRA and start saving for your retirement, today!