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IRA Retirement Accounts (IRAs)

Have you checked your IRA recently? Americans have stashed trillions of dollars in IRA and 401(k) retirement plans but too many of us leave them alone and forget about them.

Unfortunately, that's not the best way to grow a retirement nest egg.

The key to getting the biggest bang for your buck is asset allocation. The right mix of stocks, funds, bonds, cash and other investments should balance risk and return in a portfolio. You need to diversify with Diversified Credit Union!

Planning for Retirement

How much should you be saving for your retirement? Select the retirement goal you're aiming for. The resulting chart shows the value of your retirement portfolio according to your savings each month. 

I plan to retire in 10 years

I plan to retire in 20 years

I plan to retire in 30 years

I plan to  retire in 40 years

Ask our IRA specialists which type of account will work best for you. A share savings account for IRA investments has no minimum deposit and earns dividends. Both traditional and Roth IRAs are available. Dividends are calculated on your average daily balance and paid to this account semi-annually.

IRA Certificate of Deposit

This tax deferred savings program features a low minimum deposit requirement, terms and interest rates similar to our traditional Certificates of Deposit. The rate is locked in for the full term of the deposit. Upon CD maturity, the funds are automatically transferred into your IRA account.

APYs are based on the required minimum deposits and interest is compounded quarterly. Loss of interest penalties apply to certificates redeemed prior to maturity.

Member deposits into retirement savings accounts are federally insured up to $250,000 by the National Credit Union Administration.


Linden CenterPoint Branch 612-321-5300   
Outside Metro: 800-333-7757   
LaSalle Plaza Branch 612-321-4964   
Waseca Branch 507-833-4320

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