IRAs

Take Charge of Your Retirement with an IRA.

Grow Your Retirement Funds with GHFCU IRAs

IRAs may offer tax advantages to help you save for retirement. Talk with a Georgia Heritage FCU representative about which IRA plan is right for you.

Advantages of an IRA

No setup or maintenance fee
Different plans to fit a variety of financial circumstances
$500 minimum opening deposit

Traditional IRAs Vs. Roth IRAs

Traditional IRA

Contributions and earnings may be tax deductible
Taxes are deferred until withdrawn
Contributions allowed up to annual limits
Required minimum distribution upon reaching specific age
Earns competitive dividend rates
Dividends are compounded and paid monthly
The minimum balance requirement is $500

Roth IRA

Regular contributions can be withdrawn IRS tax-free and IRS penalty-free at any time
Contributions allowed up to annual limits
Does not have required minimum distributions
Earns competitive dividend rates
Dividends are compounded and paid monthly
The minimum balance requirement is $500

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