Skip to content

Rates

Thinking about retirement is smart. Saving is even smarter. MeCU IRAs make it easy to get started.

Key Features

  • Competitive Dividends
  • Tax Advantages*
  • No Setup or Maintenance Fees
  • Competitive dividends above standard savings rates
  • No setup fees
  • No monthly or annual maintenance fees
  • Contributions are tax deductible on state and federal income tax*
  • Earnings are tax deferred until withdrawal (when usually in lower tax bracket)
  • Annual contribution limits apply (see current contribution limits; $6,000 as of 2019)
  • Withdrawals can begin at age 59½
  • Early withdrawals subject to penalty**
  • Mandatory withdrawals at age 70½
  • Additional $1,000 "catch-up" contribution allowed for ages 50+
  • Funds can be used to purchase share certificates within IRA
  • No minimum deposit to open IRA shares; $1,000 minimum deposit to open IRA share certificates

*Subject to some minimal conditions. Consult a tax advisor.

**Certain exceptions apply, such as healthcare, purchasing first home, etc.

A Lasting Journey

Create a lifelong relationship with Missoula locals just like you. It all starts here.

Join MeCU