PLAN TODAY, PROSPER TOMORROW

Secure Your Future with a Tax-Advantaged IRA

Planning for retirement? An Individual Retirement Account (IRA) is a smart, safe way to prepare for the years ahead. Whether you're just starting out or nearing retirement, it’s always the right time to save for your future.

  • Choose from a Traditional IRA or a Roth
  • No minimum balance or deposit requirements
  • Your funds are federally insured by the NCUA

Traditional vs Roth IRA: What's the Difference?

The key difference is when you pay taxes. With a Traditional IRA, contributions are tax-free now, but withdrawals are taxed later. With a Roth IRA, contributions aren’t tax-deductible, but your withdrawals are tax-free. Both options offer unique benefits, and we’re here to help you choose what fits your goals.

Ready to Open Your IRA?

You can get started in minutes online or stop by any of our branches for in-person assistance. Are you not a member yet? 
Explore membership perks and discover the benefits of banking with Cotton Belt FCU.