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Take Control of Your Retirement Savings with a Signal Individual Retirement Account

It’s never too early to be Signal Smart™ about your retirement planning.

That’s why Signal offers a variety of IRA options so you can start contributions early, set aside retirement savings at a pace that works best for you, and make progress toward a secure future.

Traditional IRA

Our Traditional IRA allows you to defer taxes on your retirement savings until they are withdrawn beginning at the age of 70½.

  • Minimum of $5 is required to open and maintain the account
  • Contributions may be tax-deductible in the year they are made
  • Contributions can be made as long as you have earned income

Roth IRA Savings Account

Our Roth IRA features tax-free withdrawals for certain distribution reasons after a five-year holding period. If you expect to be in a higher tax bracket when you retire, a Roth IRA could be the right investment choice for you.

  • Minimum of $2,000 is required to open an account or accumulation feature starting at $5
  • Contributions are nondeductible and taxed in the year they are earned
  • No requirement to take distributions at age 70½
Minimum Amount to Open Minimum Balance Dividend Rate APY1
IRA Share $5 $5 0.03% 0.03%
IRA Roth Share $2,000 0.03% 0.03%

Options for Business Owners

Simplified Employee Pension Plans (SEPs) are designed for business owners and the self-employed. Offering tax benefits and funded using a Traditional IRA Savings Account, an IRA Certificate, or a Roth IRA Certificate.

Product Minimum Amount to Open Minimum Balance Dividend Rate APY1
IRA Share, IRA Roth Share $5 $5 0.03% 0.03%

IRA Share Certificates

Earning you even higher dividends, our IRA Share Certificates2 are available in terms of 12 to 72 months, allowing you to lock in more earnings on funds you weren’t planning on touching anyway.

Term Amount to Open Dividend Rate APY3
12 Months $500 0.20% 0.20%
18 Months $500 0.20% 0.20%
24 Months $500 0.25% 0.25%
30 Months $500 0.25% 0.25%
36 Months $500 0.30% 0.30%
48 Months $500 0.30% 0.30%
60 Months $500 0.35% 0.35%
72 Months $500 0.40% 0.40%

Boost Your Retirement Knowledge

Take ownership of your financial journey with Signal’s financial education solutions.

From our FREE monthly webinars, online calculators and courses, and Signal’s blog, our financial education tools and resources can help you understand your finances and be confident in your retirement decisions.

Not a member? Join the credit union committed to helping you be Signal Smart about your finances.

Bank easier, bank faster, and bank better with Signal Financial Federal Credit Union.
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