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Important Message
You are now leaving United 1st Credit Union's website. You are linking to an alternate website that is not operated by the credit union. The credit union is not responsible for content on the alternate site. Privacy and security policies of the alternate site may differ from those practiced by the credit union.
Important Message
You are now leaving United 1st Credit Union's website. You are linking to an alternate website that is not operated by the credit union. The credit union is not responsible for content on the alternate site. Privacy and security policies of the alternate site may differ from those practiced by the credit union.
Important Message
You are now leaving United 1st Credit Union's website. You are linking to an alternate website that is not operated by the credit union. The credit union is not responsible for content on the alternate site. Privacy and security policies of the alternate site may differ from those practiced by the credit union.
Important Message
You are now leaving United 1st Credit Union's website. You are linking to an alternate website that is not operated by the credit union. The credit union is not responsible for content on the alternate site. Privacy and security policies of the alternate site may differ from those practiced by the credit union.
Important Message
You are now leaving United 1st Credit Union's website. You are linking to an alternate website that is not operated by the credit union. The credit union is not responsible for content on the alternate site. Privacy and security policies of the alternate site may differ from those practiced by the credit union.
United 1st Classic Credit Card Annual Percentage Rates range from 7.9% - 16.9% and are based on credit worthiness. There is No Annual Fee, No Balance Transfer Fee, and No Cash Advance Fee.
Important Message
You are now leaving United 1st Credit Union's website. You are linking to an alternate website that is not operated by the credit union. The credit union is not responsible for content on the alternate site. Privacy and security policies of the alternate site may differ from those practiced by the credit union.
Individual Retirement Accounts
Individual Retirement Accounts are a great way to save for the future. United 1st offers Traditional, Roth, and Education IRAs. Dividends are paid quarterly to IRAs.
Did you know...when you leave your job or retire, you can keep the tax-deferred status of your qualified retirement plan by rolling it over into an IRA. (Conduit)
The funds in the IRA are accessible; however, until age 59 ½ there will be a 10% early distribution penalty unless you qualify for an exemption.
For more information contact us to speak to an IRA Specialist.
Annual contribution limits:
| Year | Under age 50 | 50 and Over |
|---|---|---|
| 2020 | $6,000 | $7,000 |
| 2019 | $6,000 | $7,000 |
| Traditional IRAs | Roth IRAs |
|---|---|
| Contributions can be tax-deductible | Contributions allowed at any age |
| Earnings tax-deferred | Qualified distributions can be tax-free |
IRA Certificates
Funds in an IRA at United 1st can open a certificate with a minimum of $500 and earn higher interest. Certificate terms offered 12, 24, and 36 months. Dividends are paid monthly.
Check out our current rates!
To read more about the IRA changes for 2020, click here.