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As millions of Americans have already discovered, IRAs are one of the best retirement savings tools available today. Individual Retirement Accounts (IRAs) allow you to save for specific retirement goals and offer potential tax benefits. More people than ever before are now eligible to benefit from the tax advantages available through IRAs.
With an IRA from North Island Credit Union, you can choose from a wide variety of Traditional and Roth IRA investments including Daily IRAs and IRA Certificates with benefits like these:
  • Customize withdrawals - lump sum or periodic payments.
  • Spousal plans are also available.
  • IRA deposits are federally insured to $250,000 by the National Credit Union Administration (NCUA).
Past legislation brought about sweeping changes related to retirement and other savings arrangements. The benefits of the changes include:
  • Increased contribution limits.
  • Catch-up contributions for individuals who attain age 50 before the end of the taxable year.
  • Increased portability of assets between various plan types.
  • Other changes to rollover rules.
What makes IRAs such a great retirement savings tool is the special federal tax laws governing the taxation of amounts earned within an IRA. Earnings within Traditional IRAs are tax-deferred until they are distributed from the Traditional IRA. Earnings within Roth IRAs may be distributed tax-free. What's more, Traditional IRA contributions are tax-deductible for many taxpayers. Over time, these special tax features can result in significantly larger IRA savings accumulations than what can be accomplished in ordinary savings tools. The credit union does not offer tax advice, please contact a tax advisor.

Traditional IRAs: Learn More
ROTH IRAs: Learn More


View all our rates and terms for all IRAs.
If you need more information, please visit our IRA Service Center to open an IRA, service an existing IRA, or learn more about IRAs. Or, talk to a specialist at (800) 848-5654, ext. 4830 for help.
Terms & Conditions
Programs (including but not limited to fees, rates, and features) are subject to change without notice. After account is opened, dividend rate and APY may change at North Island Credit Union's discretion. Fees may reduce earnings.