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INDIVIDUAL RETIREMENT SAVINGS ACCOUNTS

Why Choose Fibre Federal?

Fibre Federal Credit Union exists to serve our community – not outside stockholders. All you need to do is open a personal savings account and you become a part-owner of the credit union. When you open an account with us, you're not just an customer; you become part of our financial family.

Membership is open to people in select counties of Washington and Oregon states. You may also join if someone in your immediate family or household is a member or if you're a business or organization based in our service area.

But wait, there's more! We support our communities with programs, sponsorships and volunteer opportunities to make our community a better place to live. Join us and discover a fun and fulfilling way to manage your finances!

IRA Resources

Rates

View Deposit Rates

Enjoy Your Golden Years

Start your retirement savings journey with confidence in a high-yield Traditional or Roth IRA savings account.

Apply & Save in 1-2-3

  1. 1 Apply to open an Account Check if you meet our membership criteria, then apply online or contact us to get started.

  2. 2 Fund Your IRA Select the best account type for you and make a deposit to start your retirement savings journey.

  3. 3 Enjoy Steady Growth Save for retirement and grow your savings with tax advantages.

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Real Words, Real People from the PNW

Very helpful and informative. All my questions were answered to the fullest and everything was made crystal clear in reference to opening my accounts.
Jordan M.

Individual Retirement Savings Accounts FAQs

Do I need to join Fibre Federal Credit Union & TLC to open this account?

Yes, you need to join our credit union, and  becoming a member is easy! You simply need to meet these criteria:

  • You live, work, worship, or attend school in Cowlitz, Clark, Lewis, Wahkiakum, Pacific, Skamania, or Grays Harbor counties in Washington, or Columbia, Clatsop, Tillamook, or Lincoln counties in Oregon.
  • You are an immediate family member of an existing member-owner, such as a parent, child, brother, sister, spouse, or surviving spouse.

 

How do credit union IRA rates compare to banks?

Credit unions often compare favorably to banks due to their member-focused, not-for-profit structure and lower operating costs. At Fibre Federal & TLC, we follow this trend by offering more competitive interest rates on both types of IRAs than large national banks, allowing your retirement savings to grow faster over time. Our excellent rates are just one of the many benefits of opening your IRA at our member-focused financial institution.

When should I open an IRA account?

Opening an IRA and starting your retirement planning is a step you can take at any point in your career. The key is to start making regular contributions and benefiting from tax advantages and compounding returns that come along with it. Remember, you can open an IRA and start saving at any age, as long as you have earned income.

How is an IRA Certificate different from a regular IRA

An IRA Certificate differs from a regular Individual Retirement Account (IRA) in terms of investment. While a regular IRA allows various investments subject to market fluctuations, an IRA Certificate offers a fixed-term investment with a specific dividends rate. This stable, low-risk option often yields higher returns and is ideal for those seeking predictability in their IRA portfolio.

What is the difference between a Traditional IRA and Roth IRA?

A traditional IRA account allows tax-deductible contributions where you pay taxes on future withdrawals. This is a good option if you’re in a high tax bracket now and are likely to be in a lower bracket by the time you retire. On the other hand, a Roth IRA account offers more flexible withdrawals than a Traditional IRA. Roth IRA contributions aren’t tax deductible, but you can enjoy tax-free withdrawals in retirement or when you meet the criteria.

The choice between a Traditional IRA and a Roth IRA depends on your current financial situation and your retirement goals. It’s often advisable to consult with a financial advisor to determine which option is best for you.

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*Annual Percentage Yield (APY) effective and subject to change.

Also see Terms For Accounts.

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