Gain Financial Strength with an IRA.

Meet your long-term financial goals with an Individual Retirement Account (IRA).

• Traditional, Roth, or Education IRAs available
  • Traditional - offers tax-deferred growth
  • Roth - allows you to withdraw funds tax-free
  • Education - offers tax-free withdrawals to pay for higher education
• No setup, maintenance, or closing fees
• No annual fees
• Excellent Annual Percentage Yields available
• Rollover into an IRA at no cost

NEW LIMIT INCREASES will increase your IRA returns!

• Contributions are up to $5,000 for Traditional IRAs and Roth in 2009
• Contributions are up to $2,000 for Education IRAs
• Special increase for ages 50+ - Ask about the extra $1,000 you can invest

Comparing Your IRA Options	Introduction to traditional and Roth IRAs	Traditional IRA	Roth IRA
IRA Rollovers	IRAs For All Stages of Life	Coverdell ESAs	Roth IRA Conversions

*APY = Annual Percentage Yield.  $1,000.00 minimum opening balance required.  All IBM Southeast EFCU Individual Retirement Aaccounts (IRA) are subject to address and identification verification and approval. Certain terms and conditions may apply.  Please refer to Important Information for Our Members and Membership Fees & Service Charges or contact a Member Service Advisor for details the fees, penalties, terms and conditions that may apply.