At Ozark Federal Credit Union, we offer Share Certificates and Individual Retirement Accounts (IRAs) designed to help you grow your savings and secure your financial future. Explore our competitive rates and flexible options to find the right investment solution for your needs.

Are you ready to take control of your financial future and build a nest egg for retirement? Our Individual Retirement Account (IRA) options offer savings solutions designed to help you achieve your retirement goals. Whether you're planning for a comfortable retirement or looking to supplement your existing savings, our IRAs provide the flexibility and benefits you need to secure your financial future.

Key Features:

• Tax Advantages: Take advantage of potential tax deductions with a Traditional IRA or enjoy tax-free withdrawals in retirement with a Roth IRA. With tax advantages tailored to your specific financial situation, our IRAs help you maximize your savings and minimize your tax burden, so you can enjoy a more financially secure retirement.
• Flexible Contribution Limits: With no minimum deposit required to open an IRA, getting started on your retirement savings journey is easy. However, maximum deposit limits per tax year are determined by the IRS. Consult with a tax advisor to ensure you're making the most of your IRA contributions and taking full advantage of the tax benefits available to you.
• Penalty for Early Withdrawal: While our IRAs offer the flexibility to access your funds when needed, it's essential to consider the potential consequences of early withdrawals. Early withdrawals from IRA share and share certificate accounts may incur penalties, impacting the growth of your retirement savings. Before making any withdrawals, it's crucial to discuss your retirement strategy with a tax advisor to ensure you're making informed decisions about your financial future.