Individual Retirement Accounts (IRAs)

Do you have a retirement plan in place? It’s never too early to start or too late to catch up. We’re proud to offer various IRA Savings Accounts to help our members work toward a more secure retirement.

These IRAs are ideal for supplementing the money you’re saving in your employer-sponsored retirement plan, and IRAs provide more investment choices than your employer-sponsored plan. Talk to your tax advisor to understand the specific tax advantages available to you, as well.


Current Rates

Your FGCU IRA is federally insured by the National Credit Union Administration (NCUA), which means your investments are secure.

  • Contributions may be tax-deductible and earnings can potentially grow tax-deferred until you withdraw them in retirement*.
  • A good option if you plan on being in a lower tax bracket in retirement, as many retirees are.
  • Contribute after-tax money and your money may grow tax-free, with tax-free withdrawals at retirement, as long as you meet certain conditions*
  • Plan for retirement by investing in these special Certificates of Deposit, which you can open with a $500 minimum deposit