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    Individual Retirement Accounts

    Multiple ways to save for multiple lifestyles.

    ECU IRAs offer three different types of Individual Retirement Account options to fit every lifestyle and saving need.

    • Competitive rates
    • Flexible terms
    • Personalized, friendly service

    Our Investment Calculators are a great resource to get started.  Check them out here. 
    Ready to open an IRA?  Visit an ECU branch and ask to speak with a Member Service Representative.

    Try our Investment Calculators  Find a Branch

    Please consult your tax advisor for items pertaining to tax deductibility.

    Auto Loans


    ECU offers competitive rates, an easy process and a variety of financing options. We can help you find the auto loan option that fits your budget and lifestyle.

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    Not a member? It's easy!

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    Traditional IRA

    A powerful tool in creating a balanced, long-term savings plan.

    An individual retirement savings plan that offers tax-deferred earnings and the possibility of tax-deductible contributions. These tax advantages make the Traditional IRA a powerful tool in creating a balanced, long-term savings plan.

    • Anyone can contribute, as long as they have earned income
    • Tax-deferred earnings
    • Contributions are tax-deductible

    Roth IRA

    A retirement account that offers different tax incentives than a Traditional IRA.

    An individual retirement account that offers different tax incentives than a Traditional IRA to boost your retirement savings. Unlike a Traditional IRA, contributions to a Roth IRA are never tax-deductible, but the initial deposits to your Roth IRA can be withdrawn at any time. However, for tax-free dividends, you may not withdraw funds until you are 59 ½ years of age and have had the account for five years. You pay taxes on your contributions now.

    • Tax-free income in retirement
    • You can contribute after age 70 1/2
    • Initial deposits can be withdrawn at any time

     

    Educational IRA

    An individual retirement account offered specifically to help pay for your child's educational expenses.

    An individual retirement account offered specifically to help pay for your child's educational expenses, such as: tuition, fees, books, supplies, equipment, and in some cases, room and board, and computers. The Educational IRA is not tax-deductible; however, it offers the potential for tax-free withdrawals including earnings.

    ACCOUNTANNUAL PERCENTAGE YIELDDIVIDEND RATE
    Accumulation Account ($5.00 minimum)0.30%0.30%
    Access Account ($10,000 minimum)0.25%0.25%

    Rates accurate as of October 01, 2018 and are subject to change.

    Investment Certificates are also available for IRAs. Please refer to the Investment Certificate Rates for current rates.

    1APY refers to annual percentage yield and is subject to change at the discretion of Eastman Credit Union with the exception of the share account which is determined by the credit union board of directors. APY assumes dividends will remain on deposit. APY is an annual calculation based on 365 days (366 days in a leap year). Fees or withdrawals may reduce earnings. APY can change after account opening for variable rate accounts. APY shown is accurate as of the last dividend declaration date. Dividends are paid monthly on all accounts. Dividends earned on all accounts may be transferred to another account at ECU. Checks are not issued for dividends earned on these account types.

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