IRAs & Retirement
Build the retirement you've pictured — one tax-advantaged dollar at a time.
Traditional or Roth IRA — which is right for me? A Traditional IRA may give you a tax deduction now and is taxed at withdrawal; a Roth IRA is funded with after-tax dollars and grows tax-free. NCACU offers both, plus IRA certificates, so you can save for retirement with federally insured peace of mind.
What you get
- Traditional and Roth IRA options
- IRA share certificates for guaranteed growth
- Potential tax advantages (consult your tax advisor)
- Federally insured by NCUA
- Local, friendly help getting started
Frequently Asked Questions
Often, yes. Many members roll a former employer's retirement plan into an NCACU IRA. We'll walk you through the process.
No — please consult a qualified tax professional. We can open and service the account and explain how each option works.
Ready to become a member?
Opening an account online takes about ten minutes. Membership is open to anyone who lives, works, worships, or attends school in our Michigan communities.