TRADITIONAL IRAs

Your tax deductible contributions (for years of 2008 through 2010) up to $5000/year if member is younger than 50, and $6000/year if the member is older than 50 will continue to grow tax-free until you withdraw them. Investors may withdraw assets from the Traditional IRA without penalty after age 59 1/2. Income limits and other IRS restrictions may apply.

Your Wheatland FCU Traditional IRA can be set up as either an accumulation IRA or a Wheatland FCU IRA Certificate.

With Wheatland FCU Accumulation IRAs deposits can be made at any time up to the IRS deductible limit of $5000 annually. Rates are constantly monitored and adjusted to be very competitive with other local financial institutions. Withdrawals from your account or closures are permitted, subject to IRS fees and penalties.

With Wheatland FCU IRA Certificates select from a variety of terms paying interest rates higher than our regular Certificates of Deposit. Withdrawals may be made subject to Wheatland FCU & IRS early withdrawal penalties.

Terms and Minimum Deposits
1 Year	$500
2 Year	$1000
3 Year	$2000
4 Year	$2000

There is a yearly maintenance fee $8.50 for IRA accounts.

For any questions please contact Concetta at 717-898-7673 ext 201 or email greenfield@wheatlandcu.com.