传统及罗斯弹性退休帐户(可变利率)

An Individual Retirement Account (IRA) is an account that allows you to save for retirement with tax-free growth or on a tax-deferred basis. ira主要有三种类型——传统ira, Roth, 和翻转-每个都有不同的优势.

• In a Traditional IRA, you make contributions with money you may be able to deduct on your tax return and any earnings can potentially grow tax-deferred until you withdraw them in retirement. Many retirees also find themselves in a lower tax bracket than they were in pre-retirement, so the tax-deferral means the money may be taxed at a lower rate.
• With a Roth IRA, you make contributions with money you've already paid taxes on (after-tax) and your money may potentially grow tax-free, 退休后可以免税提款, 只要满足某些条件.
• A Rollover IRA is a Traditional IRA intended for money "rolled over" from a qualified retirement plan. Rollovers involve moving eligible assets from an employer-sponsored plan, 比如401(k)或者403(b), into an IRA.

无论你选择传统的还是罗斯个人退休账户, the tax benefits allow your savings to potentially grow, or compound, 比应税账户要快得多.

拨打1-800-621-2105开设弹性利率IRA账户

弹性利率IRA的功能类似于弹性利率证书. As the Prime Rate changes, the Flex Rate IRA dividend will adjust.

利记app官网 offers both Traditional and Roth IRAs to our members. Depending on your situation, one account type or the other may be right for you. There are different rules and benefits for each type of IRA. 使用传统IRA, 你贡献税前或税后的钱, 增长是延税的, and you are taxed for withdrawals as current income after you are age 59½. With a Roth IRA, you contribute after-tax dollars, so your money grows tax-free. You can also generally withdraw money without paying tax or penalty after age 59½.

换句话说，一些关键的区别是:

传统ira

• Savings are taxed as income in retirement (tax-deferred earnings)
• 供款可以抵税
• 供款没有入息限制

 Roth IRAs

• 捐款不能抵税
• Receive tax-free income in retirement, as the contributions were taxed when put into savings
• 你的贡献是有限的
• Withdrawals are considered qualified as long as the account has been open for at least five years, 你要么超过59岁半, disabled, or buying your first home (other restrictions may apply)

拨打1-800-621-2105开设弹性利率IRA账户比较其他储蓄选择

You can contribute up to $7,000 per tax year to an IRA, or possibly $8,000 if you are over age 50. 如果你的配偶有工作, 他/她也可以开立个人退休账户，供款最高为7美元,000美元(也可能是8美元),如果年龄在50岁以上，则为当年的收入. Or, you can open a spousal IRA on his/her behalf with the total contribution of $14,000美元, as long as a contribution to either of the accounts is no more than $7,000. For 50 and older, the contribution for both could total $16,000美元.

Keep in mind with the Flex Rate IRA that as the Prime Rate changes, 弹性利率IRA的股息率将会调整.

像银行一样，只是更好!

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因为我们是信用合作社, we return profits to members in the form of reduced fees, 更高的储蓄率, 更低的贷款利率.

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We pride ourselves on being a trusted source for financial education. Your financial wellness expert will come to your workplace to answer questions and provide you with one-on-one assistance as you navigate the changes that come with each of life's stages.

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Headquartered in Indianapolis since 1930, we rank among the top 3% of credit unions nationally¹. 我们为所有50个州和50多个国家的会员提供服务. You’ll have access to 5,000+ shared branches nationwide and 78,000+ surcharge-free ATMs globally.

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我们的技术使使用Elements进行银行业务变得简单. From quick digital applications to online and mobile banking, we’ll be by your side wherever you go. We’re here for you with member service available 24/7 and live chat during the workday.

拨打1-800-621-2105开设弹性利率IRA账户

Call 1-800-621-2105 to start your Traditional or Roth Flex Rate IRA application. An Elements representative will help you determine the best option to fit your financial goals and will reach out within 2 business days to let you know if you’ve been approved.

ira不能在线打开.

拨打1-800-621-2105开设弹性利率IRA账户

Can I roll over my 健康储蓄帐户(HSA) into an IRA?

No. HSA funds can only be rolled over into another HSA account, not an IRA.

如果我死了，我的传统IRA账户怎么办?

Your beneficiaries will be notified, and funds will be distributed accordingly.