Individual Retirement Accounts (IRAs)

Set aside money for your golden years and enjoy tax advantages with our Traditional Individual Retirement Accounts (IRAs). With a Traditional IRA, you receive tax-deferred earnings until they are withdrawn, plus potential tax deductions. When you can get started with as little as $5 for an IRA Savings account or $500 for an IRA Certificate and contribute automatically from your payroll, there’s no reason you can’t start saving for a comfortable retirement today. If you’re age 50 or over, you can make additional $1,000 catch-up contributions.

Open a new account or roll over your existing IRA to Nusenda Credit Union and you’ll also enjoy a refreshing banking experience as a member of an organization that invests in your community. Try a better way to save. Visit one of our branches across New Mexico today!

Call us at 505-889-7755 (800-347-2838 outside the Albuquerque area) or make an appointment at a branch near you.

Benefits of Individual Retirement Accounts

  • Open an IRA Savings account with just $5
  • Contribute up to $5,500 a year, or the amount of your earned income (whichever is less)
  • Make $1,000 catch-up contributions if you’re a taxpayer aged 50+
  • Contribute easily by payroll deduction
  • Contributions may be tax deductible
  • Make prior-year contributions up until the tax deadline
  • Open spousal accounts, including non-working spouses
  • Complimentary identity theft protection
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Access your account when you are away from home, thanks to the Credit Union Shared Branching Network or CO-OP network of nearly 30,000 ATMs

Easy online access to your account through online banking and the Mobile App