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IRAs

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Traditional IRA Accounts

Traditional IRAs are retirement investment accounts with the following features:

  • Tax-deductible contributions
  • Tax-deferred earnings
  • Taxed withdrawals
  • Contributions can be made up to 70 ½, at which time withdrawals are mandatory

Roth IRA Accounts

Roth IRAs are retirement investment accounts with the following features:

  • Contributions are not tax-deductible
  • Tax-free earnings
  • Qualified withdrawals will not be taxed
  • Eligibility to contribute is based on income
  • Contributions can be made until any age and distribution is not required

NCFCU offers the following Traditional and Roth IRA accounts:

Traditional and Roth IRA Savings Account

  • No minimum balance
  • Receive dividends at a set APY

Traditional and Roth IRA Certificate Account

  • Certificate terms of maturity can be 18, 30, or 60 months
  • Minimum deposit of $2,000
  • APY is tiered with your NCFCU membership level

Coverdell Educational IRA Accounts

Education IRAs are custodial or trust accounts with the specified purpose of providing funds for qualified education expenses for a child. Contribution rules are as follows:

  • Minimum deposit of $500 and maximum of $2,000 for one child per year until a child reaches 18 years of age

NCFCU offers the following Educational IRA accounts:

Coverdell Educational IRA Savings

  • Receive dividends at a set APY

Coverdell Educational IRA Certificate Account

  • Certificate terms of maturity can be 18, 30, or 60 months
  • Minimum deposit of $500
  • APY is tiered with your NCFCU membership level

Learn more about features and benefits

  Online & Mobile Banking

Our best-in-class online and mobile banking platform offers you the same features and convenience that the country's largest banks have to offer.

  Free E-Statements

Limit your mail and go green by selecting to receive e-statements for your NCFCU accounts.

  Local Branches When You Need Them

We have convenient branch locations across central Pennsylvania so you can always access banking services in-person.


You can open a new account in less than 5 minutes entirely online. Or feel free to stop by a branch to open your new account.