Retirement Accounts
With an Individual Retirement Account (IRA), you can start saving today to create a fantastic future for you and your loved ones. At Noble Credit Union, we offer numerous IRA options to best suit your needs.
Educational IRA
The Educational IRA account can be established to help pay for your child’s higher education expense. Though contributions are not deductible, distributions from an Educational IRA are penalty free and tax free if used for qualified higher education expenses.
Traditional IRA
- You may qualify for a tax credit of up to $1,000 when you make a contribution
- Earnings are tax-deferred (you do not pay taxes on the earnings until you withdraw them)
- If your contributions are tax-deductible, you do not pay taxes on them until you withdraw the money
- Any after-tax amounts (nondeductible contributions) can be withdrawn penalty and tax-free
Roth IRA
- You may qualify for a tax credit of up to $1,000 when you make a contribution
- You can withdraw the earnings at any time, tax and penalty-free
- Earnings can be tax-free
- If you satisfy the qualified distribution requirements, you can withdraw the earnings tax-free
- You are never required to take money out, no matter what your age
See your possible earnings with our interactive calculator from Banzai.
To open or to discuss any of these offerings, or initiate a roll-over or transfer, give us a call at 559-252-5000, or visit any branch location.
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