Individual Retirement Accounts

No matter what stage you’re at in life, saving now with an IRA can better prepare you for your future. Whether you are just beginning your career, planning for your family, or approaching retirement, it’s never too late to start saving with a Traditional IRA or a Roth IRA.

Traditional IRA

Supplement your pension and social security with a Traditional IRA from United Financial. Your funds are tax deferred, may be tax deductible and they are insured separately up to $250,000 by the NCUA. United Financial also offers IRA certificates or various term limits and potentially higher dividends. You may also directly transfer certain qualified retirement plan money to this account.

Roth IRA

With a Roth IRA, there is no age limit for required distributions. You may withdraw any contributions (deposits) you have made to this account at any time and for any reason – without being taxed or penalized. If you choose to withdrawal earnings (dividends), you are subject to penalty and tax unless you meet certain qualified distribution requirements. Roth IRA funds are insured separately up to $250,000 by the NCUA.

Traditional and Roth IRA certificates are also available.


If you have additional questions on our IRA options please click here for more information.


Updated IRA Disclosures – Effective March 2020 – Please click here to read disclosures