Ready to retire?

Just starting out?

Or somewhere in between?

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We can help you create a plan to achieve your goals. ANECA offers competitive IRA rates. We also offer IRA share certificates with terms ranging from one to five years.

IRA

An Individual Retirement Account is an excellent tool for retirement savings. Depending on the type of IRA you choose, contributions may be tax deductible and will grow either tax-deferred or tax-free! Contact one of our Certified IRA Member Service Representatives for more information about the benefits of IRA’s.

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Traditional IRA

A Traditional IRA is a type of retirement plan that has been in existence since 1975. They offer tax-deferred earnings and the possibility for tax-deductible contributions. These tax advantages make the traditional IRA a powerful tool in creating a balanced, long term savings plan.* You can contribute to a traditional IRA if you earn compensation and will not reach age 70 ½ by the end of the year. Earnings in a traditional IRA are not taxed until they are withdrawn. The ability to defer taxes on earnings and to withdraw in a year when you may be in a lower tax bracket can mean more after-tax dollars for your retirement.

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Roth IRA

A Roth IRA is an individual retirement account created by the Taxpayer Relief Act of 1997. This IRA offers generous incentives to boost your retirement savings, as well as more ways to use your nest egg.* Contributions are never tax deductible so they can be withdrawn tax-free. Qualified distributions are tax-free. Flexible withdrawal options are available.

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