IRA Comparison

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Choosing The Right IRA

Which IRA is right for you? Review the chart below to see whether the Traditional or the Roth IRA will benefit you most.

Roth IRA* Traditional IRA*
Tax-deductible contributions? No. Maybe. Deductible contributions could be phased out as adjusted gross income increases.
Earnings grow tax-deferred? Yes. Possibly tax-free. Yes.
Tax-free withdrawal*? Yes. Yes.
Maximum annual contribution for IRAs?

2009 :

  • $5000 for individuals under age 50
  • $6000 for individuals age 50 or older
  • $10000 for couples
  • $12000 if both are age 50 or older (Total maximum for both IRAs)

2009 :

  • $5000 for individuals under age 50
  • $6000 for individuals age 50 or older
  • $10000 for couples
  • $12000 if both are age 50 or older
    (Total maximum for both IRAs)
Required minimum distribution rules? No. Yes.
Contribution allowed after age 70½? Yes, while you receive earned income. No.

* Subject to IRS provisions. Please consult your tax advisor.

Source: CUNA Brokerage Services, Inc.

IRA Rating


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Savings Rates

Certificates Savings Checking
Type APY
3-5 Months 0.25%
6-11 Months 0.40%
12-23 Months 0.75%
24-29 Months 1.25%
30-35 Months 1.50%
36-47 Months 1.75%
48-59 Months 2.05%
60 Months 2.75%
Rates Effective March 10, 2010
Type APY
Share Savings 0.30%
Money Market
$0-$4,999.99		 0.30%
Money Market
$5,000.00-$9,999.99		 0.40%
Money Market
$10,000.00-$24,999.99		 0.50%
Money Market
$25,000.00-$49,999.99		 0.75%
Money Market
$50,000.00-$99,999.99		 0.80%
Money Market
$100,000.00-$249,999.99		 0.90%
Money Market
$250,000.00+		 1.00%
IRA Accumulator 0.80%
Rates Effective March 10, 2010
Type APY
Regular Checking 0.15%
Money Market Checking
$0-$1,999.99		 0.00%
Money Market Checking
$2,000.00-$9,999.99		 0.10%
Money Market Checking
$10,000.00-$24,999.99		 0.20%
Money Market Checking $25,000.00-$49,999.99 0.30%
Money Market Checking
$50,000.00-$99,999.99		 0.35%
Money Market Checking $100,000.00-$249,999.99 0.40%
Money Market Checking
$250,000.00+		 0.50%
Rates Effective March 10, 2010

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