Individual Retirement Account

Whether you’re thinking about traveling, gardening, or moving away, planning your retirement begins with a Heartland FCU IRA.

Heartland FCU’s IRA program allows members to invest for retirement with a Traditional or ROTH IRA. Contributions can be made through payroll deduction, automatic transfers, periodic deposits, or lump sum.

  • No commissions
  • IRA insured for an additional $500,000
  • Federal income deductions may be available on qualified contributions*

Traditional IRA

Contributions may be fully tax-deductible*. Investments grow on a tax-deferred basis and your may begin drawing money without penalty at age 59.5. You must begin drawing by the age of 72. For current annual Traditional IRA deposit limits, please visit


Contributions are not tax-deductible but can be withdrawn tax-free at age 59.5, and a 5-year waiting period. There is no age you must begin withdrawing funds – they may stay in the account as long as you like. For current annual Roth IRA deposit limits, please visit

* Consult with your tax adviser. Certain requirements must be met (i.e. income does not exceed certain limitations, you are not an active participant in an employer retirement plan, etc…)

REACH Success Financial Education

Individual Retirement Plans

When it comes to savings for retirement, you have many options to choose from to help your reach your savings goals. IRAs, like all accounts, offer their own features that may make them a good option for you. This short, interactive learning experience will teach you about:

  • How IRAs compare to other account options
  • The different types of IRAs
  • Opening and using an IRA

Per CDC Guidelines, those who are vaccinated are not required to wear a mask.Review more COVID-19 related information
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