Individual Retirement Account

With any IRA from Rock Valley you will get competitive rates as you save for your future. Open your IRA with any amount and make regular contributions through Direct Deposit, by mail or in person.

Choose the IRA that is right for you:

  • Traditional IRA – with this IRA you may qualify for a tax-deductible contribution (which could provide a tax payment reduction. Consult with your tax provider.)
  • Roth IRA – contributions are made with after-tax dollars. At retirement, both your contributions and the earnings may generally be taken out as tax-free withdrawals.
  • Coverdell Education Savings Account – Federally sponsored savings vehicles for children. You can put up to $2,000 per year in your child’s CESA and don’t have to have earned income in order to qualify to make an CESA contribution.

We know that choosing the IRA that fits your needs is an important decision. Let us help you select an IRA that’s right for you, your family and your life. If you have questions or are ready to invest call our Financial Service Advisors or visit a local branch.

Retirement Savings and Planning

  • Retirement Income Calculator - Use this calculator to determine how much monthly income your retirement savings may provide you in your retirement.
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NCUA - Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government agency. Equal Housing Lender - We do business in accordance with the Fair Housing Law and Equal Opportunity Credit Act