The retirement nest egg that won't crack on you.
Looking to maximize your current income or planning for your future? FourLeaf IRA Certificates offer a safe and reliable solution to risky investments.
- Traditional or Roth IRAs
- Open your IRA Certificate Account with as little as $50
- Rollover your existing IRA or 401(k) from a previous employer
- Guaranteed returns for the term of the certificate and federally insured by NCUA.
Opening a FourLeaf IRA Certificate Account is simple.
We are here to help answer general questions regarding FourLeaf IRA Certificate Accounts. We encourage you to consult with a financial advisor or tax professional for guidance.
Please schedule a video, phone, or in-person appointment by clicking the button below:
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Which is the right IRA for me?
| FAQs | Traditional IRA | Roth IRA |
|---|---|---|
| Do I qualify? | Yes. If you or your spouse (filing-jointly) earns taxable income, regardless of age. | Yes. If you or your spouse (filing-jointly) earns taxable income, regardless of age. |
| Are there income limits? | No limits. | The limits are based on income and tax filing status. We encourage you to consult with a financial advisor or tax professional for guidance. |
| Can I have a 401(k) at the same time? | Yes. | Yes. |
| How much can I contribute? | $6,500 to both accounts combined. $7,500 if 50 and over. [1] | |
| Are contributions tax deductible?* | Yes. [2] | No. [2] |
| What if I want to make withdrawals? [2] | Withdrawals after age 59 ½ are taxed as regular income. Withdrawals before 59 ½ may be subject to taxes and an IRS penalty. |
Withdrawals after age 59 ½ are tax free as long as the account is at least 5 years old. Withdrawals before 59 ½ may be subject to taxes and an IRS penalty. |
| Do I have to take distributions? | You must take distributions after age 73. | No withdrawal requirements. |
FAQ
How do I become a FourLeaf member?
Everyone can become a member of FourLeaf! To establish membership you will need a Government-Issued ID, Social Security Number, and $5 to fund your membership Savings Account. Membership is subject to approval and membership requirements.
Click here for more details on the proper documentation and what else you may need.
Plan now for the future.
Contact us today to get started.
[1] Catch-up contribution eligibility begins on January 1 of the calendar year of contributor's 50th birthday.
[2] FourLeaf representatives are not licensed tax accountants and cannot give advice on or answer questions relating to IRA tax filings. Please seek a professional tax advisor if you have questions relating to how IRA transactions can affect your taxes.