Save for Your Future
Open a Traditional or Roth IRA so you can start saving towards the future you desire.
Open Account
Competitive Interest Rates
The IRA product offers competitive interest rates that are higher than what traditional savings accounts typically offer, helping members grow their savings more quickly.
Tax Advantages
The tax advantages of a Traditional IRA or a Roth IRA can help reduce the tax impact of retirement income, allowing members to keep more of their savings.
Security of Funds
The IRA product is FDIC insured, providing a secure investment option for members who are saving for retirement.
Flexibility
The option to choose between a Traditional IRA or a Roth IRA allows members to tailor the product to their individual financial goals and tax situation.
Easy to Use
The IRA product is easy to set up and manage, allowing members to start saving for retirement quickly and easily.
Expert Advice
Pathways Credit Union offers expert financial advice and support to help members understand the benefits of an IRA and how to best use it to meet their retirement savings goals.
Convenient Access
Members can access their IRA funds at any time, giving them the flexibility to use their savings when they need it.
How It Works
Here's how you can use an IRA to maximize your retirement savings.
-
Choose an IRA Type
Members can choose from a Traditional IRA or a Roth IRA, depending on their individual financial goals and tax situation.
-
Deposit Funds
Deposit funds into the IRA, which earns a competitive rate of return over time. The funds in the IRA grow tax-free or tax-deferred, depending on the type of IRA selected.
-
Withdraw Upon Retirement
You can withdraw the funds in the IRA during retirement without incurring taxes, subject to certain conditions.
If you need to withdraw funds early, no worries. Subject to some penalties and fees, you can always withdraw your funds. Just try to leave your funds invested until you reach retirement age, in order to maximize your earnings.
Guides, tips & tools to help you invest
Why Join?
You deserve great rates, convenient online tools, and customer service that puts you first.
Products & Services that Help You Succeed in All Stages of Life
Awesome Online & Mobile Banking
Expert Advice and Counsel Provided by a True Financial Partner
Supporting Causes to Help the Community Thrive
Open an Account
Get started on securing your financial future with an IRA account today. Find a local branch or click "Open Account" below to get started.
Open Account