IRAs

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Individual Retirement Accounts (IRAs)

Choosing an IRA
Unsure of your options?
Learn about the kinds of IRAs and your choices for investing your IRA funds.

• Types of IRAs: Traditional or Roth

• IRA Online Resource Guide (PDF format)
Link will go to the IRS website.

Open an IRA

• Tax-deferred earnings
• Contributions may be tax deductible
• Come into any convenient branch location to open your IRA account

Rollover your IRA

Don't leave your 401(k) stranded when you change jobs. We can help you rollover your account.

• What is an IRA Rollover?

Consolidate your IRA

Make it easier to manage your IRA accounts. Bring your IRA accounts to us and have all of your retirement assets under one roof.

IRA Basics
An individual retirement account, or IRA, is a personal, tax-advantaged retirement plan. An employed person can contribute earned income into an IRA up to a certain maximum amount per year. Federal tax laws dictate the level of participation and eligibility for an IRA.

IRAs offer you a tax-advantaged way to invest, while giving you a variety of investment options that have the potential to grow on a tax-deferred or tax-free basis.

IRA Deadlines
Traditional/Roth IRA contributions must generally be made by April 15 to be effective for the previous tax year.

Establishing an IRA
You must be or become a member of Fort Knox Federal Credit Union and have a regular share (savings) account opened. You may open an IRA at any Credit Union branch. Simply determine the type of IRA you would like and complete the appropriate IRA application form.

IRA Online Resource Guide (PDF format)
Link will go to the IRS website.

Questions about IRAs? Email us. Note: Copy and paste "IRA question" in the subject line.

Tax-deferred earnings: Earnings and income that are not taxable now but will be at a later date. This is most common in retirement plans distributions.

P.O. Box 900 - Radcliff, KY 40159-0900
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