Establish a traditional, tax deductible IRA, and contribute up to $4,000 annually (plus up to $4,000 to a spousal IRA) for 2007 and up to $5,000 annually for 2008. For those over age 50, an additional $1,000 catch-up contribution may be made. Or set up a new Roth IRA with after-tax dollars now, for tax-free earnings later. You can also set up an Education IRA for a child or grandchild under 18, with a nondeductible $2,000 contribution annually.

Earns you progressively more, the longer you invest.
Open one with at least $500. Pick your rate, based
on terms from 3-60 months. Bump² and Add-on³
option available on terms of 12 months or less.

The ideal rollover for members with established IRAs.
Invest $50,000 or more, from 3-60 months. The
longer the term, the higher the yield. Bump² and
Add-on³ option available on terms of 12 months
or less.

The ideal place to rollover a large IRA. Invest $100,000
or more for a term as short as 3 months or as long as
60 months. Earn higher yields on longer terms. Bump²
and Add-on³ option available on terms of 12 months
or less.

Earns you high money market rates on funds you’ve
set aside for retirement. Open it with $1,000 or more. Contribute to it anytime.

INSURANCE UP TO $350,000 ($500,000 FOR IRAS)
Your savings are federally insured to at least $100,000 and backed by the full faith and credit of the United States Government by the National Credit Union Administration, a U.S. Government Agency. Above that they are insured for an additional $250,000 through Excess Share Insurance Corporation, a private insurer.