Whether you’re saving for retirement or education, we have a program to help you achieve your goals. Protected by the NCUA up to $250,000, a KCCU IRA is an excellent way to grow your funds while deferring taxes.* KCCU offers several options from which you can choose to best fit your needs.


Traditional IRA — Offers tax-deferred earnings and the possibility for tax-deductible contributions. These tax advantages make the Traditional IRA a powerful tool in creating a balanced, long-term savings plan.

Roth IRA — Qualified distributions are tax-free, flexible withdrawal options are available, and the amount you can contribute is increasing.

Coverdell Education Savings Accounts (formerly known as Education IRA) — Can be opened for any child under age 18 to fund his or her educational expenses, such as tuition, fees, books, supplies, equipment, and in some cases, computers and room and board. Earnings grow tax-free if distributions are used for qualified education expenses.


With an IRA Certificate Account from KCCU, you get the tax advantages of a IRA Account and the higher returns of a Certificate Account. An IRA Certificate Account is the ideal way to enjoy the benefits of tax-deferred earnings for retirement. You can transfer funds from your traditional, Roth, or Coverdell Education Savings Account IRA to an IRA Certificate Account for higher earnings. The minimum balance requirement is $500 and terms are available up to five years. For current rates, please see our online rate page. To open an account, contact a Member Service Representative at 269.968.9251 or 800.854.5421 today

Savings Rates

*The Internal Revenue Code may impose a penalty on withdrawals of taxable amounts before you reach age 59 ½. Consult with your tax advisor for additional guidance on which type of IRA may best for your needs.