Plan for Your Future with FCCU’s IRAs and Share Certificates

At FCCU, we believe in nurturing your financial dreams, whether you're planning for retirement or looking for secure investment options. Let’s secure your future together.

Individual Retirement Accounts (IRAs)

Choose the Right IRA for You:

  • Traditional IRA: Save with pre-tax dollars—your contributions may be tax-deductible, and earnings grow tax-deferred until you withdraw them in retirement, potentially lowering your tax bracket in your retirement years.

  • Roth IRA: Contribute with after-tax dollars. While there’s no upfront tax deduction, your withdrawals in retirement are tax-free, including the earnings, provided certain conditions are met. This can be a great option if you expect to be in a higher tax bracket later on.

Tax Advantages That Grow Your Savings: Whether you choose a Traditional IRA with tax-deferred earnings or a Roth IRA with potentially tax-free distributions, you're building a more secure future thanks to favorable federal tax laws. We recommend consulting with a tax advisor to maximize your savings potential.

Share Certificates

Secure and Steady Growth: Our Share Certificates offer the highest dividends of all our savings products, making them a reliable choice for members seeking a steady yield.

Flexible Terms, Higher Returns: Choose from various terms with a minimum deposit of just $500. Enjoy tiered dividend rates that reward you more for larger deposits and longer terms.

Hassle-Free Renewal: With automatic renewal at maturity, you can sit back and watch your savings grow without lifting a finger.

Why Save with FCCU?

A Community of Support: Belonging here makes you more than a member—you’re part of a family that values each other’s financial well-being.

Tailored Financial Solutions: Whether you’re starting an IRA or investing in a Share Certificate, we provide personalized services to help you meet your financial goals.

Ready to Invest in Your Future?

Join us in building a secure financial future. Whether you're just starting out or looking to diversify your savings, FCCU has the tools to help your investments thrive.