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Individual Retirement Accounts (IRAs)

A variety of Individual Retirement Account options are available to you at MCCCU. No matter which IRA you choose, you'll receive the unique benefits of tax deferred dividends. Our IRA products include:
  • Where are you on the road to retirement?Traditional and Roth IRAs
  • Coverdell ESAs
  • IRA Deposits Are Insured to $250,000 by the NCUA


IRA Savings

If you’re looking for a liquid IRA option consider an IRA Savings account.

IRA Share Certificates

Now more than ever, personal savings are your key to a comfortable retirement.  So if you're interested in a term IRA which can provide the additional savings you’ll need for the future, consider a MCCCU IRA Share Certificate.


  • Variety of terms to choose from six months to five years*
  • Minimum balance $1,000
  • Competitive dividend rates
  • Dividends are compounded and paid monthly**
  • NCUA Insured

  * Early withdrawal/account closure subject to penalty.
** At maturity, account automatically renews for the same term as the previous term, at the rate in effect on the maturity date. At maturity and during the grace period, you may change the term or balance of your account or make withdrawals without a penalty.  The grace period begins at maturity and ends seven calendar days later.

Rates and policies are subject to change. Please see MCCCU's current Truth-In-Savings-Accounts (TISA) and Electronic Services Disclosure and Agreement for complete account details. To obtain a printed copy of MCCCU's TISA and Multiple Account Disclosures, call or come in to the branch.

This credit union is federally insured by the National Credit Union Administration.
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