Roth IRAs
A Roth Individual Retirement Account (Roth IRA) allows you to make contributions on an after-tax basis, and earnings grow free of federal taxes. This means that you don’t get a tax deduction now, but you won’t need to pay taxes on your earnings later. Income and contribution limits apply. Visit the IRS website to learn more.
Traditional IRAs
A Traditional Individual Retirement Account (IRA) allows you to make retirement contributions which may be deductible from your current taxes. Your earnings will grow tax-deferred until retirement. Contribution limits apply. Visit the IRS website to learn more.
Personalized Service and Assistance
We’re here to help and serve our members. Your financial wellness means the world to us. Speak to any of our representatives to learn more about our accounts and discuss your savings goals at no cost.
Access Your Accounts Anywhere
A full lineup of online services is available to compliment your banking experience and offer you the convenience of your finances at your fingertips. Transfer funds to and from your various savings accounts, pay your WRCU loans, and check your balances in seconds.
We are proud to offer personalized service. Speak to any of our representatives to learn more about our savings products and discuss your goals at no cost.
IRA Certificates
* APY = Annual Percentage Interest Yield. The minimum opening deposit on all certificates is $500.00. A penalty may be imposed for early withdrawal. All rates are subject to change without notice. The above certificate interest rates effective 10/4/2024.
You must live, work, worship, attend school or own a business in York or Adams County Pennsylvania to become a member.
There is no minimum balance to open and maintain an IRA Account. There is a $500 minimum to open and maintain an IRA Certificate.
There is no monthly fee for maintaining an IRA Account. Please refer to IRS.gov for information on contributions and withdrawals.
