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Take Control of Your Retirement Savings with a Signal Individual Retirement Account

It’s never too early to be Signal Smart™ about your retirement planning.

That’s why Signal offers a variety of IRA options so you can start contributions early, set aside retirement savings at a pace that works best for you, and make progress toward a secure future.

Traditional IRA

Our Traditional IRA allows you to defer taxes on your retirement savings until they are withdrawn beginning at the age of 70½.

  • Minimum of $5 is required to open and maintain the account
  • Contributions may be tax-deductible in the year they are made
  • Contributions can be made as long as you have earned income
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Roth IRA Savings Account

Our Roth IRA features tax-free withdrawals for certain distribution reasons after a five-year holding period. If you expect to be in a higher tax bracket when you retire, a Roth IRA could be the right investment choice for you.

  • Minimum of $2,000 is required to open an account or accumulation feature starting at $5
  • Contributions are nondeductible and taxed in the year they are earned
  • No requirement to take distributions at age 70½
Open Account
Minimum Amount to Open Minimum Balance Dividend Rate APY1
IRA Share $5 $5 0.03% 0.03%
IRA Roth Share $2,000 0.03% 0.03%

IRA deposits are insured separately to $250,000 by NCUA. Please see Signal Financial Truth in Savings Disclosure for details.

Options for Business Owners

Simplified Employee Pension Plans (SEPs) are designed for business owners and the self-employed. Offering tax benefits and funded using a Traditional IRA Savings Account, an IRA Certificate, or a Roth IRA Certificate.

Product Minimum Amount to Open Minimum Balance Dividend Rate APY1
IRA Share, IRA Roth Share $5 $5 0.03% 0.03%

Note: IRA deposits are insured separately to $250,000 by NCUA. Please see Signal Financial FCU Truth in Savings Disclosure for details.

IRA Share Certificates

Earning you even higher dividends, our IRA Share Certificates2 are available in terms of 12 to 72 months, allowing you to lock in more earnings on funds you weren’t planning on touching anyway.

 Term Amount to Open Dividend Rate APY3
12 Months $500 0.20% 0.20%
18 Months $500 0.20% 0.20%
24 Months $500 0.25% 0.25%
30 Months $500 0.25% 0.25%
36 Months $500 0.30% 0.30%
48 Months $500 0.30% 0.30%
60 Months $500 0.35% 0.35%
72 Months $500 0.40% 0.40%

IRA deposits are insured separately to $250,000 by NCUA. Please see Signal Financial Truth in Savings Disclosure for details.

Open Account

Boost Your Retirement Knowledge

Take ownership of your financial journey with Signal’s financial education solutions.

From our FREE monthly webinars, online calculators and courses, and Signal’s blog, our financial education tools and resources can help you understand your finances and be confident in your retirement decisions.

Signal’s Investment & Retirement Services

Signal Financial’s Investment and Retirement Services can help you navigate your wealth management and retirement planning, so you know you’re being Signal Smart about your and your family’s future. Contact us today for your complimentary, no-obligation consultation.

Not a member? Join the credit union committed to helping you be Signal Smart about your finances.

Rates effective as of December 1, 2020.

1 APY = Annual Percentage Yield. The rates quoted above are accurate and effective for the above accounts as of the effective date indicated. Please see the Truth in Savings Disclosure for more information. Rates subject to change.

2 IRA Share Certificates subject to Signal Financial Federal Credit Union penalties upon early withdrawal.

3 APY = Annual Percentage Yield. The rates quoted above are accurate and effective for the above accounts as of the effective date indicated. Certificate rates remain fixed for the term of the certificate. Unless otherwise paid, dividends for certificates of 12 to 72 months are compounded daily and paid monthly. Fees or other conditions could reduce the earnings on the account. A penalty may be imposed for withdrawals before maturity. Please see the Truth in Savings Disclosure for more information. Penalties assessed by the IRS may apply for withdrawals. If you have any questions or need current rate information on your accounts, please call 301-933-9100 x 298.

Rates subject to change.

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