It’s Never Too Late to Plan for Tomorrow

Suffolk Federal’s Individual Retirement Accounts (IRAs) make planning for your retirement easy with your choice of IRA Certificate or Share Accounts. Federally insured up to $250,000, both offer tax benefits to eligible members, so your retirement funds grow faster at your credit union.

  • IRA Certificate Accounts are term investments offering a guaranteed dividend rate to maturity. Certificate accounts provide higher yields on funds invested for three months to five years. There is a penalty for early withdrawal.
  • IRA Share Accounts pay a dividend that is calculated on a day-of-deposit/day-of-withdrawal basis using the daily balance method and is credited monthly.

Best of all, you can open an IRA at Suffolk Federal with as little as $500. See how much your retirement savings can grow with our calculators.

What You Need to Know

Retiring with peace of mind? We see it too.

To learn more about our IRAs, contact us or visit your local branch. Ready to get started?

Open an Account Now