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Personal  Individual Retirement Accounts (IRA)

Individual Retirement Accounts (IRA)

A retirement account that pays you a competitive dividend rate. Robins Federal's IRA accounts provide a secure way to build a nest egg for retirement. With features such as:

  • Only $25 initial deposit to open a new account
  • Minimum balance $25* (There is no minimum balance in an IRA savings.)
  • Competitive dividend rate (minimum balance required) (There is no minimum balance required to pay dividends on an IRA savings.)
  • Descriptive quarterly statements
  • Allows you to defer paying taxes on dividends*
  • If applicable, allows you to deduct all or part of contributions
    on your tax return.**
  • Offers a variety of IRA investments such as:
    - Traditional IRA
    - Roth IRA
    - Coverdell Education Savings Account

* Minimum Balance - This balance is required to obtain the stated Annual Percentage Yield (APY) for the dividend period. View our current rate information and see the Rate & Fee Schedule for Below Minimum Balance Fee information.

**It is recommended that you seek tax advice from your Tax Advisor before making decisions regarding your IRA investment.

Early Withdrawals - Withdrawals made before age 59 and one half years of age are subject to IRS penalties.

***Account Disclosure
- Membership Account Agreement- Privacy Notice
- Electronic Funds Transfer Agreement (Reg E)- NCUA - Your Insured Funds
- Funds Availability Policy (Reg CC)- Bounce Protection

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