Individual Retirement Accounts (IRAs)

Planning for the future should be an early priority. IRA accounts give you a ways to serve for a variety of future needs … retirement …. home purchase … medical emergencies and more.

Depending upon the type of IRA you select, you may be able to deduct your annual contributions on your taxes.

Maximum annual contributions are set by the government and generally increase each year; refer to the table just below for this year’s maximum contribution limits. Our member services team can assist you in opening your Regular or Roth IRA.

IRA certificates are a great way to earn even more on your account. Once you have accumulated $500 or more, you can invest it in a certificate, ranging in terms from 6 to 60 months.

Membership Eligibility: You must Live, Work, Worship or Attend School in Wayne County, North Carolina OR be an existing member to be eligible to open an IRA with us.

Questions? |  Call 919.734.8224 to speak to a member of our team.

Open In Person | Visit a branch: 2401 E. Ash Street, Goldsboro, NC (under the blue roof) or inside the BX on base at Seymour Johnson AFB. See Locations and Hours for more info.

Please bring the following when you come to open your Traditional or Roth IRA:

  • Valid, unexpired driver’s license listing your current address
  • If your driver’s license DOES NOT list your current address, please bring a recent utility bill, cell phone bill, bank statement or lease agreement detailing your current address
  • Social Security card OR government issued document (tax return, w2, etc.) listing your FULL social security number
  • $25 minimum opening deposit

Maximum Contributions for 2017

49 & under $5,500
50 and older (by the end of the tax year) $6,500


Current IRA Rates

Account Minimum Balance to open Standard Monthly Fee Rate* APY*
Roth IRA $25 None .05% .05%
Traditional IRA $25 None .05% .05%
*Pays dividends monthly, calculated on the daily balance.


Connect With Us!

Do More With YOUR Money HERE.

Welcome to Your Community Credit Union! We are a community based financial institution located in Goldsboro, NC. If you Live, Work, Worship or Attend School in Wayne County, North Carolina you are eligible for membership by opening a savings account with just $1!