Tax-deferred earnings for your future

Many financial experts say your annual retirement income should equal about 80 percent of your final pre-retirement income. Opening an Individual Retirement Account (IRA) can be a good way to start building those savings for the future. Members Heritage offers a Traditional or Roth IRA with flexible terms to suit your financial needs. As a bonus, your IRA contributions may qualify for tax credits.

Members Heritage also offers a Coverdell Education Savings Account

  • Fixed Traditional IRAs and Roth IRAs available with minimum balance of $1,000.
  • Fixed Coverdell Education Savings Accounts available with minimum balance of $500.
  • Fixed interest rate and terms from 12 months to 60 months.
  • Dividends calculated on average daily balance, paid monthly.

Learn More about Your IRA Options

  • Explore the differences between a Traditional and Roth IRA
  • Traditional IRA Key Benefits
  • Roth IRA Key Benefits
  • IRA Transfers, Rollovers and Conversions
  • IRA and Retirement Plan Distributions
  • IRA Beneficiary Distribution Options