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Individual Retirement Accounts

Increase the value of your income and protect your future with an IRA. An IRA Share Account can be opened with just $25, and you can make periodic deposits throughout the year.

Traditional IRA

Individual retirement accounts are a smart way to save for the future. A traditional IRA can be opened and funded without any employer participation. Contributions and/or earnings are tax-deferred until retirement. Unlike many employer plans, money in the account is always accessible; however, until age 59 ½ there is a 10% early distribution penalty unless you qualify for an exemption due to one of the following: disability, qualifying education expenses, unemployment, qualifying first-home purchases, death, or receipt of your IRA assets in equal payments over your life expectancy.

According to the IRS Regulations, members under age 70 ½ may contribute to an IRA.

Roth IRA

Roth IRAs differ from Traditional IRAs in that the money you contribute to a Roth IRA has already been taxed. So the principal amount is never subject to taxes or penalties in the future, as long as you stay within the contribution guidelines. This retirement plan allows the money you contribute to grow tax-deferred.

If you do not withdraw any of the earnings until you have had the plan for at least five (5) years, or satisfy one of the qualifying events, those tax-deferred earnings become tax free. Unlike the traditional IRA, there is no 70 ½ age limit on making contributions. You simply need to have earned income equal to the amount you contribute up to the maximum amount set by the IRS each year.

For more information on your IRA options, please contact us

Retirement Calculator
Savings Calculator

Payroll Deduction is the convenient way to save for the future by making periodic IRA deposits. You can set aside a certain amount from each paycheck to be automatically deposited into any of your accounts. Click here to access the payroll deduction form.

Please contact us for more information on payroll deduction.

IRA

* The Credit Union provides no legal advice to members, and provides the foregoing information from a reliable resource to give our members a basic understanding of these services. You should consult with your tax or legal advisor regarding any particulars and the current status of applicable federal and state laws. IRA's are insured separately by NCUA up to $250,000.

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You are leaving CGR Credit Union’s website. Links that may be accessed via this site are for the convenience of informational purposes only. Any products or services accessed through this link are not provided or guaranteed by CGR Credit Union. The site you are about to visit may have a privacy policy that is different than CGR Credit Union’s. Please review their privacy policy. CGR Credit Union does not endorse the content contained in these sites, nor the organizations publishing these sites, and hereby disclaims any responsibility for such content.

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You are leaving CGR Credit Union’s website. Links that may be accessed via this site are for the convenience of informational purposes only. Any products or services accessed through this link are not provided or guaranteed by CGR Credit Union. The site you are about to visit may have a privacy policy that is different than CGR Credit Union’s. Please review their privacy policy. CGR Credit Union does not endorse the content contained in these sites, nor the organizations publishing these sites, and hereby disclaims any responsibility for such content.

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You are leaving CGR Credit Union’s website. Links that may be accessed via this site are for the convenience of informational purposes only. Any products or services accessed through this link are not provided or guaranteed by CGR Credit Union. The site you are about to visit may have a privacy policy that is different than CGR Credit Union’s. Please review their privacy policy. CGR Credit Union does not endorse the content contained in these sites, nor the organizations publishing these sites, and hereby disclaims any responsibility for such content.

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You are leaving CGR Credit Union’s website. Links that may be accessed via this site are for the convenience of informational purposes only. Any products or services accessed through this link are not provided or guaranteed by CGR Credit Union. The site you are about to visit may have a privacy policy that is different than CGR Credit Union’s. Please review their privacy policy. CGR Credit Union does not endorse the content contained in these sites, nor the organizations publishing these sites, and hereby disclaims any responsibility for such content.

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You are leaving CGR Credit Union’s website. Links that may be accessed via this site are for the convenience of informational purposes only. Any products or services accessed through this link are not provided or guaranteed by CGR Credit Union. The site you are about to visit may have a privacy policy that is different than CGR Credit Union’s. Please review their privacy policy. CGR Credit Union does not endorse the content contained in these sites, nor the organizations publishing these sites, and hereby disclaims any responsibility for such content.

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You are leaving CGR Credit Union’s website. Links that may be accessed via this site are for the convenience of informational purposes only. Any products or services accessed through this link are not provided or guaranteed by CGR Credit Union. The site you are about to visit may have a privacy policy that is different than CGR Credit Union’s. Please review their privacy policy. CGR Credit Union does not endorse the content contained in these sites, nor the organizations publishing these sites, and hereby disclaims any responsibility for such content.

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You are leaving CGR Credit Union’s website. Links that may be accessed via this site are for the convenience of informational purposes only. Any products or services accessed through this link are not provided or guaranteed by CGR Credit Union. The site you are about to visit may have a privacy policy that is different than CGR Credit Union’s. Please review their privacy policy. CGR Credit Union does not endorse the content contained in these sites, nor the organizations publishing these sites, and hereby disclaims any responsibility for such content.

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You are leaving CGR Credit Union’s website. Links that may be accessed via this site are for the convenience of informational purposes only. Any products or services accessed through this link are not provided or guaranteed by CGR Credit Union. The site you are about to visit may have a privacy policy that is different than CGR Credit Union’s. Please review their privacy policy. CGR Credit Union does not endorse the content contained in these sites, nor the organizations publishing these sites, and hereby disclaims any responsibility for such content.

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You are leaving CGR Credit Union’s website. Links that may be accessed via this site are for the convenience of informational purposes only. Any products or services accessed through this link are not provided or guaranteed by CGR Credit Union. The site you are about to visit may have a privacy policy that is different than CGR Credit Union’s. Please review their privacy policy. CGR Credit Union does not endorse the content contained in these sites, nor the organizations publishing these sites, and hereby disclaims any responsibility for such content.

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You are leaving CGR Credit Union’s website. Links that may be accessed via this site are for the convenience of informational purposes only. Any products or services accessed through this link are not provided or guaranteed by CGR Credit Union. The site you are about to visit may have a privacy policy that is different than CGR Credit Union’s. Please review their privacy policy. CGR Credit Union does not endorse the content contained in these sites, nor the organizations publishing these sites, and hereby disclaims any responsibility for such content.

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You are leaving CGR Credit Union’s website. Links that may be accessed via this site are for the convenience of informational purposes only. Any products or services accessed through this link are not provided or guaranteed by CGR Credit Union. The site you are about to visit may have a privacy policy that is different than CGR Credit Union’s. Please review their privacy policy. CGR Credit Union does not endorse the content contained in these sites, nor the organizations publishing these sites, and hereby disclaims any responsibility for such content.

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You are leaving CGR Credit Union’s website. Links that may be accessed via this site are for the convenience of informational purposes only. Any products or services accessed through this link are not provided or guaranteed by CGR Credit Union. The site you are about to visit may have a privacy policy that is different than CGR Credit Union’s. Please review their privacy policy. CGR Credit Union does not endorse the content contained in these sites, nor the organizations publishing these sites, and hereby disclaims any responsibility for such content.

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You are leaving CGR Credit Union’s website. Links that may be accessed via this site are for the convenience of informational purposes only. Any products or services accessed through this link are not provided or guaranteed by CGR Credit Union. The site you are about to visit may have a privacy policy that is different than CGR Credit Union’s. Please review their privacy policy. CGR Credit Union does not endorse the content contained in these sites, nor the organizations publishing these sites, and hereby disclaims any responsibility for such content.

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You are leaving CGR Credit Union’s website. Links that may be accessed via this site are for the convenience of informational purposes only. Any products or services accessed through this link are not provided or guaranteed by CGR Credit Union. The site you are about to visit may have a privacy policy that is different than CGR Credit Union’s. Please review their privacy policy. CGR Credit Union does not endorse the content contained in these sites, nor the organizations publishing these sites, and hereby disclaims any responsibility for such content.

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You are leaving CGR Credit Union’s website. Links that may be accessed via this site are for the convenience of informational purposes only. Any products or services accessed through this link are not provided or guaranteed by CGR Credit Union. The site you are about to visit may have a privacy policy that is different than CGR Credit Union’s. Please review their privacy policy. CGR Credit Union does not endorse the content contained in these sites, nor the organizations publishing these sites, and hereby disclaims any responsibility for such content.

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You are leaving CGR Credit Union’s website. Links that may be accessed via this site are for the convenience of informational purposes only. Any products or services accessed through this link are not provided or guaranteed by CGR Credit Union. The site you are about to visit may have a privacy policy that is different than CGR Credit Union’s. Please review their privacy policy. CGR Credit Union does not endorse the content contained in these sites, nor the organizations publishing these sites, and hereby disclaims any responsibility for such content.

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You are leaving CGR Credit Union’s website. Links that may be accessed via this site are for the convenience of informational purposes only. Any products or services accessed through this link are not provided or guaranteed by CGR Credit Union. The site you are about to visit may have a privacy policy that is different than CGR Credit Union’s. Please review their privacy policy. CGR Credit Union does not endorse the content contained in these sites, nor the organizations publishing these sites, and hereby disclaims any responsibility for such content.

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You are leaving CGR Credit Union’s website. Links that may be accessed via this site are for the convenience of informational purposes only. Any products or services accessed through this link are not provided or guaranteed by CGR Credit Union. The site you are about to visit may have a privacy policy that is different than CGR Credit Union’s. Please review their privacy policy. CGR Credit Union does not endorse the content contained in these sites, nor the organizations publishing these sites, and hereby disclaims any responsibility for such content.

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You are leaving CGR Credit Union’s website. Links that may be accessed via this site are for the convenience of informational purposes only. Any products or services accessed through this link are not provided or guaranteed by CGR Credit Union. The site you are about to visit may have a privacy policy that is different than CGR Credit Union’s. Please review their privacy policy. CGR Credit Union does not endorse the content contained in these sites, nor the organizations publishing these sites, and hereby disclaims any responsibility for such content.

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You are leaving CGR Credit Union’s website. Links that may be accessed via this site are for the convenience of informational purposes only. Any products or services accessed through this link are not provided or guaranteed by CGR Credit Union. The site you are about to visit may have a privacy policy that is different than CGR Credit Union’s. Please review their privacy policy. CGR Credit Union does not endorse the content contained in these sites, nor the organizations publishing these sites, and hereby disclaims any responsibility for such content.

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You are leaving CGR Credit Union’s website. Links that may be accessed via this site are for the convenience of informational purposes only. Any products or services accessed through this link are not provided or guaranteed by CGR Credit Union. The site you are about to visit may have a privacy policy that is different than CGR Credit Union’s. Please review their privacy policy. CGR Credit Union does not endorse the content contained in these sites, nor the organizations publishing these sites, and hereby disclaims any responsibility for such content.

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You are leaving CGR Credit Union’s website. Links that may be accessed via this site are for the convenience of informational purposes only. Any products or services accessed through this link are not provided or guaranteed by CGR Credit Union. The site you are about to visit may have a privacy policy that is different than CGR Credit Union’s. Please review their privacy policy. CGR Credit Union does not endorse the content contained in these sites, nor the organizations publishing these sites, and hereby disclaims any responsibility for such content.

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Important Message

You are leaving CGR Credit Union’s website. Links that may be accessed via this site are for the convenience of informational purposes only. Any products or services accessed through this link are not provided or guaranteed by CGR Credit Union. The site you are about to visit may have a privacy policy that is different than CGR Credit Union’s. Please review their privacy policy. CGR Credit Union does not endorse the content contained in these sites, nor the organizations publishing these sites, and hereby disclaims any responsibility for such content.

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You are leaving CGR Credit Union’s website. Links that may be accessed via this site are for the convenience of informational purposes only. Any products or services accessed through this link are not provided or guaranteed by CGR Credit Union. The site you are about to visit may have a privacy policy that is different than CGR Credit Union’s. Please review their privacy policy. CGR Credit Union does not endorse the content contained in these sites, nor the organizations publishing these sites, and hereby disclaims any responsibility for such content.

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You are leaving CGR Credit Union’s website. Links that may be accessed via this site are for the convenience of informational purposes only. Any products or services accessed through this link are not provided or guaranteed by CGR Credit Union. The site you are about to visit may have a privacy policy that is different than CGR Credit Union’s. Please review their privacy policy. CGR Credit Union does not endorse the content contained in these sites, nor the organizations publishing these sites, and hereby disclaims any responsibility for such content.

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