IRA Plans

Save for the future with an Individual Retirement Account (IRA). Sterling’s IRA account options provide the opportunity for your money to work for you, with no set-up or annual fees!

Consider an IRA as a tax-advantageous way to save for retirement while earning a competitive yield. Choose from our IRA Share Certificate terms to offer your retirement funds a higher yield. Rest assured your IRA retirement funds are safe and insured separately up to $250,000 by the NCUA.

Traditional IRA accounts allow you to save for retirement with tax-deferred earnings and a possible tax-deduction. Contributions to the Traditional IRA may be tax-deductible depending on the taxpayer’s income, tax-filing status, and other factors*.

Roth IRA accounts are growing in popularity as they allow you to contribute your after-tax dollars which can be withdrawn tax and penalty free at any time.  As a result, contributions are not tax deductible, however, qualified distributions are tax free*.

Stop by a Sterling United branch to get started or call us at (812) 425-0111 for more information.

IRA Rates

Here is how to join Sterling United Federal Credit Union!

*Consult a tax professional for tax advice on which type of IRA may best suit your needs.