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IRAs

Start saving for your retirement or child's education today!

Traditional IRA

Allows you to defer taxes on the earnings until they are withdrawn. Certain contributions may be tax deductible in the year they are made.

Roth IRA

While contributions are not tax deductible, contributions and earnings can be withdrawn tax free. As long as you have earned income, you can establish and contribute to a Roth IRA, even after age 70 ½.

IRA Share Certificates

Earn higher dividends with an IRA Share Certificate. Available with a minimum deposit of $1,000 and terms of 6 to 36 months.


Consult with your tax advisor about the best IRA plan for you and we will help you with the rest!

Education Savings Accounts

Coverdell Education Savings Plan

An account that features tax-free withdrawals for qualified education expenses. While contributions are not deductible, distributions are penalty free and tax free. Save up to $2,000.00 per year for a child with a Coverdell Education Savings Account (ESA).

When you contribute to an ESA for the child in your life, you make contributions with after-tax dollars. Those dollars will grow and can be withdrawn tax-free when used for qualified education expenses. Certain income limits apply.

MEMBER TESTIMONIALS

  • Mar 12, 2019, 09:36 AM

    I have been doing business with the IMKCFCU my entire life and Jessica has had an account for around 20 years. We have always received excellent service whether it be for a loan, a money transfer, or just cashing a paycheck. The entire staff is great! Last year, we started a nonprofit youth mentoring program called HardCore Scripture Outdoors. We teach kids how to hunt, fish, and trap.  We also teach them about conservation and help them become productive members of society.  We had lots of questions about setting up a nonprofit account, so we set up a meeting with Robin Strauss and she was incredible. She walked us through the process start to finish, answered all of our questions, and gave us the information we needed to get started.  We know with sponsorships and donations for the community, the children we serve will be better for our efforts.  Thank you, IMKCFCU!  Keep up the good work!

    Joseph and JessiCa Bottesi
  • Jun 18, 2018, 10:38 AM
    "Vehicles today are very expensive, whether new or used. Used vehicles seem to really be holding their values. As such, we needed to finance a 2008 truck.
    After calling around to other financial institutions, no one would extend a loan to us based solely on the age of the vehicle. We wanted you to know what an important role you play in the lives of IMKCFCU members. Not only do you offer wonderful interest rates, but you are filling a gap that others don't offer. 
    Thank you for providing such wonderful services to its members."
    Christopher & Amy Lewis
  • May 9, 2017, 11:30 AM
    I love my CU…we’ve both been members forever. I have been my whole life. I always feel at home when I come in and everyone is so very helpful to me all the time.
    Sally Maloney and Allison Maloney