Traditional and Roth IRAs

As millions of Americans have already discovered, IRAs are one of the best savings tools available today. Personal savings through can be an important way to steer your retirement plan in the right direction.

Steering toward retirement with IRAs.

IRAs are tax-favored ways to accumulate dollars for retirement. With a traditional IRA, your earnings accumulate tax deferred; and, if you qualify, your contributions are tax deductible. With a Roth IRA, qualified distributions are tax free, and you have more flexible withdrawal options. Either way, you can enjoy powerful tax advantages.

Learn more about the differences between traditional and Roth IRAs.

The benefits of IRA rollovers.

Are you getting ready to switch jobs or preparing to retire? That means you’re going through some important changes, and you may be wondering which way to turn. If you’ve saved money in an employer retirement plan, you may want to think about directly rolling over your savings into an IRA.

An IRA rollover preserves the tax deferral of your retirement plan and avoids possible taxes and penalties. And a rollover may provide more control over investment options, greater access to your money and additional choices for your loved ones.

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Products available as IRAs. IRA rules and regulations.

When it comes time to purchase an IRA, you have a variety of product choices for your investment. Check with an advisor for information about the MEMBERS products available for purchase as an IRA.

Managed Accounts
Mutual Funds

For more information about all the rules associated with IRAs, the Internal Revenue Service makes available Publication 590 on Individual Retirement Arrangements. For more information on IRAs or to download Publication 590, visit