Planning for your future starts today. Sea Air FCU offers Individual Retirement Accounts (IRAs) designed to help you save for retirement with confidence.

Traditional IRA

A Traditional IRA helps you save for retirement with valuable tax advantages. Contributions may be tax-deductible, and your money grows tax-deferred until withdrawal.

Benefits:

• Save specifically for retirement

• Contributions may be deductible (depending on your income and eligibility)

• Earnings grow tax-deferred until you withdraw

• Open with as little as $50

• Contribute up to the annual IRS limit

Start or manage your Traditional IRA

Roth IRA

A Roth IRA allows you to pay taxes upfront, so your withdrawals in retirement are tax-free (as long as requirements are met). It’s a flexible way to save while keeping more of your money later.

Benefits:

• Tax-free withdrawals in retirement (if the 5-year rule and age 59 ½ requirement are met)

• Contribute at any age if you have earned income

• Flexible saving option with long-term advantages

• Open with as little as $50

• Contribute up to the annual IRS limit

Start or manage your Roth IRA