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Individual Retirement Account
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Whether you’re opening a new IRA or rolling over your retirement savings from another financial institution, MHFCU can provide low-cost solutions, plus knowledgeable Retirement Specialists to assist you.

  • Build the best retirement plan: IRA Certificates of Deposit, Premium IRA, Traditional, Roth, or Coverdell Education Savings – we’ll help you make the best decision to fit your short or long-term goals
  • Easy rollovers: move your assets from your 401(k), 403(b), 457(b) to one of our IRA options – we make it easy
  • Earn the most on your money: your financial future is safe and secure with rates that are consistently some of the best in the region

IRA Types

Traditional IRA

  • Reduce today’s income taxes while savings for retirement.
  • Contributions may be deductible on your annual income taxes
  • Only pay tax when you withdraw money with qualified withdrawals
  • Contribute up to certain limits each year or 100% of earned income. Contributions may be tax deductible.

Roth IRA

  • Save more on taxes over time and have more flexibility with withdrawals. Depending on your income, contribution limits may vary.
  • Contributions are not tax deductible and withdrawals are tax-free in retirement
  • Contribute if you or your spouse received taxable income during the year, and
  • You file taxes jointly, with an adjusted gross income below $194K, or
  • You file taxes individually, with an adjusted gross income below $132K

Other Retirement Solutions

  • Savings Accounts: Contribute to an IRA Savings Account on a periodic basis until you're ready to purchase an IRA Share Certificate or move your funds into a Traditional, Roth, or Education IRA.
  • Premium IRA Savings: This insured, tiered premium savings account will increase the earning power of your money and allow you to keep it liquid until you're ready to make a long-term decision.
  • Share Certificates: The stability of guaranteed interest rates that are always some of the best in the region – a commitment to provide you with the most value.

Financial Wellness U

  • Access our online tools and resources to maximize your strategy and ensure a secure retirement. Get started>>
  • Access our online calculators to see how much you’ll earn with your IRA. Get Started>>

Open Your IRA

It’s easy to open your Individual Retirement Account. Call 1-800-226-6428 to get started today.

Consult your tax advisor for all tax implications regarding these products.

Schedule of Fees


Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S Government Agency.

Questions? Ask McClever.

  • 1-800-226-6428 |
  • Routing Number: 226077943 |
  • NMLS# 407684
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