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Buckey Federal Credit Union
Individual Retirement Accounts

For more details about IRAs Click here for IRA brochure, or Click for our IRA rates here!

Not familiar with the term? An IRA is short for Individual Retirement Account.

At BCFCU, we offer Traditional, Roth and Educational IRAs with no set-up or administration fee.

Traditional IRA
With significant up-front tax advantages and less money taken out for taxes, this IRA gives you the power of compounded earnings.

  • Earnings accumulate tax-deferred.
  • Contributions are tax deductible (if you qualify).
  • Contribution amount increases.

Roth IRA
Unlike traditional IRAs, contributions to a Roth IRA are never tax-deductible. However, the money in your Roth IRA can be withdrawn tax-free, including earnings.

  • Contributions are allowed at any age.
  • Qualified distributions are tax-free.
  • Flexible withdrawal options are available.
  • Contribution amount increases.

Educational IRA (also known as Coverdell Education Savings Accounts)
An education IRA's sole purpose is to help you pay for your child's education expenses like tuition, fees, books, supplies and equipment.

  • Anyone meeting the income requirements can open and contribute to a child's account, including grandparents, aunts, uncles and family friends.
  • Earnings grow tax-free if distributions are used for qualified education expenses.
  • Can be used for qualified elementary and high school expenses at most public, private and parochial schools.
  • You can save up to $2,000 per child per year!

For more information about any of the above IRAs, click for a brochure, call or visit us.

Individual Retirement Accounts (IRAs) offer the advantages of tax deferred savings, guaranteed return with deposits insured by NCUA up to $250,000 ,in addition to other Credit Union deposits. All Credit Union Share Certificates are available as IRAs.

"This credit union is Federally insured by the National Credit Union Administration"



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