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Individual Retirement Accounts
The DSPFCU offers a variety of Retirement Products to meet the needs of our
members including the new Roth IRA retirement accounts.
 | Maximum tax deductible contribution $3,000 |
| Dividends earned daily and paid monthly |
| Contributions may be made for prior year before April 15th of
current year |
| Contributions may be made until the age of 70 ½ |
| Contributions made through payroll deduction or automatic transfer |
| Catch-up contributions $500 for age 50 and above |
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| Maximum contribution $3000 per year |
| Total contribution of $3000 between Roth and Traditional |
| Contributions made through payroll deduction or automatic transfer |
| Catch-up contributions $500 for age 50 and above |
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| Granted in initial amounts of at least $500 |
| Granted for 6, 9, 12, 18, 24, 48, and 60 months |
| Mature at midnight and are available the next day. |
| At age 59 ½ withdrawals can be made without penalty |
| Early withdrawal faces penalty |
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(formerly Educational IRA)
| Maximum contribution $2000 per year per child |
| Contributions made through payroll deduction or automatic transfer |
| Contributions may be made until April 15th |
| All funds are to be withdrawn by age 30 |
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Your savings federally insured to at least $100,000 and backed by the full faith and credit of the United
States Government
National Credit Union Administration, a
U.S. Government Agency
[ Share Savings ] [ IRAs ] [ Certificates ] [ Money Market ] [ Club Accounts ]
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