IRAs

IRAs are a powerful, tax-advantaged way to save for retirement.  We offer two options, Traditional and Roth.  The primary difference between them is the timing of their tax breaks:

  • With a Traditional IRA, earnings on your investment are tax deferred; you pay taxes when you take distributions in retirement (or if you make withdrawals prior to retirement).
  • A Roth IRA operates in reverse. You pay taxes upfront, because your contributions are not deductible, and the earnings on your investments grow tax-free.

Both Traditional and Roth IRAs come with eligibility rules and restrictions that determine how much you can contribute. Visit irs.gov for a comprehensive guide on both plans. As with any investment decision that will involve your taxes, you should consult a professional tax advisor.

 

Our investment partners offer comprehensive retirement and investment strategies.  

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Minimum BalanceAnnual Percentage Yield
Traditional$50.50%
Roth$50.50%

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Find our branches & ATMs

For the safety of our members, certain branch lobbies are temporarily closed or have limited access.
Currently the Collierville, Hacks Cross, and Pittsburgh Branches are CLOSED.

To schedule an appointment:

 

Due to closed branches, our call-center is experiencing a high call volume.
To avoid longer than usual wait times, we encourage members to access their accounts remotely by logging in online or by using our mobile app.

 

Call Center Information:
(800) 228-8513 or (901) 344-2500 within the Memphis areaMon-Fri, 7:30am-10:00pm central
Sat, 9:00am-5:00pm central
Sun, 9:00am-5:00pm central