It's easy to invest in your future at HRCCU. A Roth IRA can help you prepare for retirement and serve a number of other purposes.

Preparing for Retirement - Roth IRAs serve as a great retirement tool because qualified withdrawals, including earnings, are tax free.

First Home Purchase - If you've had your Roth IRA for at least 5 years, you can use $10,000 towards the purchase of your first home tax free and penalty free.

Leave Funds to you Heirs - There are no mandatory withdrawals, so you can leave money from your Roth IRA to your heirs tax free.

Pay for College - Qualified educational expenses are penalty free. There is no dollar limit and funds can be used for tuition, fees, books, and supplies at a post-secondary institution.

Rainy Day Fund - You can access your regular contributions tax free and penalty free at any time and for any reason.

For the answers to all of your IRA questions, call one of our IRA specialists today at 518-654-9028.