ROUTING #: 262087528 LOCATIONS RESOURCES CONTACT US MAKE AN APPOINTMENT MAKE A LOAN PAYMENT CAREERS AT AVADIAN LOG IN Personal Business Membership Blog Rates All Avadian Branch Lobbies Are Open. LEARN MORE × Individual Retirement Accounts THE TIME TO SAVE FOR RETIREMENT IS NOW Everyone has some kind of long-range financial goal — for most, it involves not working any longer than you have to. (Of course, some people plan to work as long as possible just to become the world’s oldest sandwich artist.) As you plan for your retirement (or the Sandwich Hall of Fame), an IRA is one of the best savings tools to help get you there. They come with tax advantages, too. Traditional IRA Savings Account An IRA in which interest earned is tax deferred — you won't pay taxes on your account until you start making withdrawals. By the time you are ready to retire, you will probably be in a lower tax bracket, so you probably won’t pay as much. This one earns a quarterly compound rate. Traditional IRA CD Another IRA with tax-deferred interest. This one lets you lock in your IRA rate for seven days to 60 months. Roth IRA Savings Account A non-tax-deductible IRA that features tax-free withdrawals AFTER a five-year holding period (except under certain circumstances, like a first-time home purchase). This one earns a quarterly compound rate. Roth IRA CD Like the Roth IRA Savings account, but with a locked-in rate for seven days to 60 months. Enjoy your retirement knowing that you have the money to make your dreams happen. You Might Also Like AVADIAN FINANCIAL SERVICES Retirement won’t pay for itself — but it kind of will, if you pick the right IRA. SHARE Important Phone Numbers Careers at Avadian Volunteer for the Board Privacy Policy Credit Card Agreement High Contrast Mode Off Online Services Terms and Conditions Accessibility Statement Deposit Insurance Fee Schedule Member Discounts Site Index Phone: 888.282.3426 Corporate Headquarters Mailing: P.O. Box 360287 Birmingham, AL 35236-0287 Check us out on The credit union is federally insured by the National Credit Union Administration. Additional insurance of up to $250,000 on your savings accounts is provided by Excess Share Insurance Corporation, a licensed insurance company. Equal Housing Opportunity Lender. Copyright © 2019 Avadian Credit Union. All rights reserved.