Planning for retirement starts with the right savings strategy. An IRA can help you build a stronger financial future, and at White Eagle Credit Union, we offer a variety of IRA options designed to fit your goals and lifestyle. Whether you’re just getting started or preparing for retirement, we’re here to help you choose the solution that works best for you.
IRA Options
Traditional IRA
- Eligible if under age 73 and meet the adjusted gross income requirements
- Contribute up to $8,600 if age 50 or older (or $7,500 if under age 50) per year, or 100% of your annual income, whichever is less
- Couples filing jointly may contribute up to $17,200 (or $15,000 if under age 50) if one spouse is working and the couple files jointly
*Consult with your tax advisor for contribution and deductible limits.
Roth IRA
- Eligible if modified adjusted gross income meets required limits
- Contributions are not tax deductible; however, qualified earnings and withdrawals are tax-free
- Contribute up to $8,600 if age 50 or older (or $7,500 if under age 50) per year, or 100% of your annual income, whichever is less
- Couples filing jointly may contribute up to $17,200 (or $15,000 if under age 50) if one spouse is working and the couple files jointly
- No mandatory required minimum distributions (RMDs) during the account owner’s lifetime
*Consult with your tax advisor for contribution and deductible limits.
IRA Certificates
- Minimum $500 opening balance
- Short-term accounts starting at 6 months
- Long-term accounts starting at 12 to 60 months
- Insured to the maximum allowed by NCUA
- Penalties assessed for early withdrawals
- Competitive market interest rates
| Term Share Accounts | Rate | APY* | Term |
|---|---|---|---|
Term Share : 6 Months | 3.73 | 3.80 | 6 months |
Term Share : 1 Year | 3.73 | 3.80 | 12 months |
Term Share : 2 Years | 3.20 | 3.25 | 24 months |
Term Share : 3 Years | 3.20 | 3.25 | 36 months |
Term Share : 4 Years | 3.20 | 3.25 | 48 months |
Term Share : 5 Years | 3.20 | 3.25 | 60 months |
Traditional IRA / Daily IRA IRA Term Share Accounts are offered for the same term, tiers and rates as above. | 0 | 0 | N/A |
*APY=Annual Percentage Yield
Rates subject to change without notice. Rates effective 3/2/2026. Minimum $500 opening balance. Penalties assessed for early withdrawals. Penalties/Fees could reduce earnings. Insured to the maximum allowed by NCUA.
Get a Quick Estimate on Future Interest
with the Savings Calculator from White Eagle Credit Union
Join Us!
Come Home to White Eagle Today!
Membership is open to residents of Butler County, Harvey County and all adjacent counties. Simply visit any White Eagle Credit Union branch with a valid photo ID, proof of address and a $25 deposit to purchase your membership share and start enjoying the benefits of being a White Eagle member!
Security Statement
White Eagle Credit Union will never ask for personal information such as online banking credentials, account numbers or card numbers through email, phone or text message.
