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Individual Retirement Accounts

Whether you plan to retire at age 35 or age 65, it's never too early to open an IRA and begin saving. An individual retirement account (IRA) may offer tax benefits and is a great way to save for the future. We offer a number of options when choosing an IRA and have provided information regarding them in the table below.

If you have questions about IRA contributions, income limits, or IRA types, please contact us and we'll be happy to get you the information you need to make the best decision.

Details Traditional IRA ROTH IRA
Definition

You make contributions with money you may be able to deduct on your tax return, and any earnings can potentially grow tax-deferred until you withdraw them in retirement. Many retirees also find themselves in a lower tax bracket than they were in pre-retirement, so the tax-deferral means the money may be taxed at a lower rate.

You make contributions with money you’ve already paid taxes on (after-tax), and your money may potentially grow tax-free, with tax-free withdrawals in retirement, provided that certain conditions are met.
Income Restrictions No income restrictions on eligibility to contribute, but possibly on deductibility. You may not be eligible to contribute if your income is $165k or more in tax year 2025 for single filers or $246k or more in tax year 2025 for joint filers.
Contributions  Contributions may be tax-deductible.

Contributions may be withdrawn at any time without taxes or penalties.

Earnings Earnings grow tax-deferred. You generally pay taxes when you make withdrawals, often in retirement.Earnings may be withdrawn tax-free and penalty-free once you reach age 59½ and the account has been open for at least five years. 
TaxesPay taxes later.Pay taxes now. 
Age RestrictionsNone, as long as the account holder has income.No age restrictions for contributions.  
Required Minimum Distributions (RMDs)

Must begin taking required minimum distributions (RMDs) at age 73.

No RMDs.
  • I've been with Metro for 23 years, starting when I worked for Nebraska Med. They've always worked with me through everything. I'm set for life with my credit union.
    Robert M.
  • I've been a member for over 20 years, starting when I worked at Clarkson Hospital. We've always found Metro's rates to be among the best in the area. When my kids were young, they loved the member appreciation events. Now my son and daughter-in-law are members too.
    Rachel W.
  • I first joined Metro in 1978 and was approved to buy my first home. In 1990, when the chance came to buy my neighbor's house, I was able to sell mine and get a new loan through Metro. As a single mom working at a grocery store, I never dreamed I'd qualify for a home loan. I'm still a member today, and I'm so grateful they trusted me. Member for 48 years.
    Regina H.
  • I joined Metro in 1986 while working as a chaplain at Midlands Hospital in Papillon. At the time, our paychecks were deposited directly at Metro, which meant no more picking up checks late or driving them to another bank. It was a game changer. In the years since, I've gotten car loans, set up online banking, and gotten help with Visa cards, all without hassle or extra costs. I've moved all over the country in the past 40 years, but I've always stayed with Metro.
    NJ D.
  • I've had a great experience that's allowed me to establish credit with my first auto loan. Thank you Metro for giving me this opportunity.
    Jessica A.
  • I joined in 1990 & always receive great service. Technology has evolved for increased convenience & loan rates are great!
    Ann T.
  • I have been with Metro Credit Union since 1996. I wouldn't change to any other bank. Very friendly people and their service is outstanding.
    Tammy F.
  • They make banking easy. The mobile app allows quick access to activity going on in my account, and their tellers are great with ensuring the security of my account.
    Katherine V.
  • I have had multiple loans with Metro Credit Union, and they have stood beside me throughout the six years that I have been banking with them
    Duane T.
  • I have been a member of Metro Credit Union for 40 years. I have gotten car loans and other loans. Some of my children are banking there as well. Friendly and knowledgeable personnel at all locations. Love my credit union!
    Louise G.

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