Retirement Accounts

Investing for retirement requires planning and long-term commitment. Our retirement account options are designed to help you achieve your investment goals.

Check Rates

Which retirement account is right for you?

Available as either a Traditional or a Roth IRA, our Retirement Accounts help you save for retirement by making regular contributions that match your financial goals.

Traditional IRA

A tax-deferred individual retirement account (IRA) that can help you save long-term for your retirement.

  • Tax-deferred earning. Contributions may be tax deductible; Consult a tax advisor.
  • Spousal contributions accepted
  • Contributions due on April 15th of the next calendar year
  • Interest rate upgrade if older than 59 ½
  • FDIC Insured up to $250,000

Roth IRA

An individual retirement account (IRA) that allows you to withdraw money on a tax-free bases after age 59 ½.

  • Tax-free earnings at retirement. Contributions are made with post-tax dollars. Tax-free distributions. Consult a tax advisor.
  • Spousal contributions accepted
  • Contributions due on April 15 of the next calendar year
  • Interest rate upgrade if older than 59 ½
  • FDIC-Insured up to $250,000

Retirement Calculators

Which is better for me, a Traditional IRA or a Roth IRA?

How much will my Traditional IRA be worth at retirement?

How much will my Roth IRA be worth at retirement?

How much do I need to fund my retirement?

Compare IRA Options

Features 

18 Month CD2 ½ Year CD5 Year CDMoney Market IRA
Opening Deposit You decide You decide You decide You decide
Annual Maintenance Fee $15 per IRA plan $15 per IRA plan $15 per IRA plan $15 per IRA plan
Deposits During Term $10 or More No No No Minimum Deposit Required
Annual Contributions Not required Not required Not required Not required

Apply Online

Open a checking or savings account from First Federal and enjoy access to secure digital banking, mobile check deposit, Zelle® , card controls, and much more.

Get Started Now Opening an Account

Community Impact Include