Why consider a DCU IRA? With no administrative fees, no annual fees, and no or low minimum balances it is even easier to save! And there is no risk! Your money is federally insured up to $250,000** by the National Credit Union Administration (NCUA), a U.S. government agency, separately from your other DCU accounts.

Any DCU member with earned income can open a Savings IRA and add money at any time. You can make lump-sum and smaller intermittent deposits. You can even make affordable current year contributions through weekly or biweekly automatic transfers and save a lot, a little at a time. You can even arrange to have the funds in your employer's qualified retirement or 401(k) plan "rolled over" to an IRA when you change jobs or retire.

DCU Has Many IRA Options
Your Traditional or Roth IRA can be a:

• Certificate IRA – allows you to lock in the highest dividend rate on your retirement funds. With a low minimum balance, you can choose terms from three to 60 months.
• Money Market IRA – offers a low $1,000 minimum balance to earn dividends and tiered rates.
• Savings IRA – competitive variable rate and no minimum balance requirement.

DCU also offers small business IRAs such as Simplified Employee Pension (SEP) and Savings Incentive Match Plan for Employees (SIMPLE).

Open an IRA Today
It's easy to open and contribute to an IRA with DCU's Retirement Central Service Center at dcu.org. This online service has interactive educational information and articles to help you at any stage of your financial life. You can also complete your IRA forms online.

To learn more about IRAs or rates for Money Market IRAs, Savings IRAs, and IRA Certificates, visit dcu.org or call us at 508.263.6700 or 800.328.8797.