Individual Retirement Accounts: It’s never too soon to think about retirement, and a South Carolina National Guard FCU IRA is one of the easiest ways to save for your retirement years. We offer a wide range of IRA investment types and we pay competitive dividends on each.  For as little as $25.00, you can open your own IRA Flex (savings) account. Or, with a minimum investment of $1,000.00, you can enjoy the benefits of an IRA Certificate.  Let the South Carolina National Guard FCU help your retirement dreams come true.


Traditional IRA: A Traditional IRA is a special savings plan authorized by the Federal government  designed to help you accumulate funds for your retirement. A Traditional IRA allows you to defer taxes on your earnings until they are withdrawn.  Also, certain contributions may be tax deductible in the year they are made.

Roth IRA: A Roth IRA is a special savings plan authorized by the Federal government designed to help you accumulate funds for your retirement. Contributions to a Roth IRA are non-deductible, but all withdrawals, including earnings are tax-free provided the account has been open for five years and the IRA owner is 59 ½ or older. Unlike a Traditional IRA, owners are not required to take distributions once they reach 70 ½.

Coverdell Education Savings Account: The CESA is an IRA account that features tax-free withdrawals for a child's higher education expenses. Unlike the Traditional IRA, contributions are nondeductible. Therefore distributions from a CESA could be penalty free and tax-free.  Consult your tax advisor for further information.


IRA Certificates: Earn higher dividends with an IRA Certificate. IRA Certificates are available with a minimum deposit of $1,000.00 in terms ranging from 6 months to 36 months.  IRA Certificates are subject to Federal IRA regulations.



[ Home | Guard OnLine | What's New | Visa EZCardInfo | Products | Services | Online Services | Mortgage Loan | Insurance Services | Links | FAQ | Contact Us | Employment | Mission Statement ]

Apply for a loan!

Privacy Policy
Design & Hosting by D+H  Browser Requirements
Copyright D+H All Rights Reserved.