Delta Trust Credit Union – Retirement & Education Savings Accounts

Your Deposits Are Protected

At Delta Trust Credit Union, your peace of mind matters to us.
Under NCUA insurance rules, up to $250,000 in deposit insurance coverage is provided for the money you hold in various retirement accounts, including Traditional and Roth IRAs, at one insured institution.
This protection also covers:

  • 457 Plans for state and local government employees

  • Employer-sponsored defined contribution plans such as self-directed 401(k) accounts

In addition, IRA and retirement accounts are insured separately from your other personal accounts — giving you up to an additional $250,000 in coverage.

Secure, Tax-Advantaged Retirement Savings

Looking for a competitive return and secure growth for your retirement savings?
An Individual Retirement Account (IRA) from Delta Trust Credit Union is an excellent tool for building long-term financial security while enjoying valuable tax benefits.

IRAs aren’t just for retirement — they can help you:

  • Save for a first home purchase

  • Pay for higher education expenses for yourself or family members

  • Roll over funds from an employer retirement plan

Choose from our flexible options:

  • IRA Certificate of Deposit (CD) – guaranteed returns at fixed rates

  • IRA Savings Account – flexible access with steady growth

Start planning your future today with Delta Trust Credit Union.

Which IRA Is Right for You?

Traditional IRA

A smart choice if you want potential tax deductions and tax-deferred growth.

  • Contributions may be tax-deductible

  • Earnings grow tax-deferred until withdrawal

  • Ideal for members looking to lower taxable income now while saving for retirement

Build your retirement confidently with a Traditional IRA from Delta Trust Credit Union — a strong foundation for your secure tomorrow.

Roth IRA

Perfect for those who prefer tax-free earnings and long-term flexibility.

  • Contributions are made with after-tax income, so qualified withdrawals are tax-free

  • No required minimum distributions (RMDs) at age 73

  • Continue contributing as long as you (or your spouse) earn income

  • Great for members who want more control and flexibility in their retirement planning

A Roth IRA gives you the freedom to grow your savings — and enjoy them tax-free when it matters most.

Education Savings Account (ESA)

Help secure your child’s educational future with a Coverdell Education Savings Account (ESA) from Delta Trust Credit Union.
This account allows you to save for education expenses — from kindergarten through college — with tax-free earnings when used for qualified costs.

Key Benefits:

  • Contribute up to $2,000 per child per year

  • Earnings grow tax-free when used for qualified education expenses

  • Covers K–12 and higher education expenses (tuition, books, equipment, room & board)

  • Anyone — parents, relatives, or friends — can contribute

  • Contributions accepted until the tax filing deadline (April 15)

  • No age limits for children with special needs

Give your child or loved one a head start on their dreams with an Education Savings Account at Delta Trust Credit Union.

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