It Makes Sense To Belong! Learn Why >

An Individual Retirement Account (IRA) enables you to save for the future. It also helps you to set strategies to reach defined goals. There are numerous ways to save with an IRA, depending upon your needs and age. Whether you’re saving for retirement, education, or another purpose, at 1st Ed Credit Union, we offer the IRA choices and expertise you need.

Traditional IRAs

Take advantage of tax-deductible contributions now and build earnings until you need them.

  • Earnings grow tax-deferred
  • Contributions may be fully-, partially-, or non-tax deductible
  • Make contributing easy with automatic transfers, Payroll Deduction, or Direct Deposit
  • Make contributions until April 15th for the previous tax year
  • Withdrawals may begin at 59 ½ without penalty

Roth IRAs

Roth IRAs give you the ability to pay taxes now, and reap the benefits in the future. Contributions are made with after-tax dollars and can be withdrawn tax- and penalty-free at any time, for any reason.

  • Flexible and convenient
  • Contributions made with after-tax dollars
  • Enjoy penalty-free withdrawals

Click here to view the IRS comparison chart for more information on Traditional and Roth IRAs

Open or Manage Your IRA

Visit the 1st Ed IRA Service Center today. You’ll love this useful tool – you can plan for retirement, open an IRA, and monitor or make adjustments to an existing IRA.

IRA Accumulation (Traditional,Roth,Education)

Info and/or TermsAPYAPR
IRA Accumulation0.20%0.20%
The content on this page is for informational purposes only, please consult your tax advisor about your particular situation. IRA and Education Accounts are subject to Regulation D. Learn more here.

Your savings are federally insured up to $250,000 and backed by the full faith and credit of the United States Government by National Credit Union Administration (NCUA), a U.S. Government Agency.

You are now leaving 1st Ed Credit Union

1st Ed Credit Union provides links to web sites of other organizations in order to provide visitors with certain information. A link does not constitute an endorsement of content, viewpoint, policies, products or services of that web site. Once you link to another web site not maintained by 1st Ed Credit Union, you are subject to the terms and conditions of that web site, including but not limited to its privacy policy.

You will be redirected to

Click the link above to continue or CANCEL