Calculators

Locators

Hours & Locations | Contact Us | Forms | About Us | Annual Report | Internet Policy |  Privacy Policy
Ensuring Effective Communication for Individuals with Disabilities

Routing Number: 211180133

Questions?
860-627-4200
800-544-4728

Equal Housing Lender   Verified by Visa
Federally Insured by NCUA
Facebook

360 Federal Credit Union

360 Federal Credit Union
Mobile Applications
IRA Accounts
Roth
More flexible IRA and save more on taxes over time.
  •  Contributions may be income tax deductible.
    (Consult your tax advisor)
  •  Withdrawals are tax-free in retirement

You can contribute when:

  •  You received taxable income during the year, and
  •  You file taxes jointly, with and adjusted gross income below $188k, or
  •  You file taxes individually, with an adjusted gross income below $127k

Depending on your income, your contribution limit may vary

We offer Roth, Traditional and Educational IRA's to help you reach your retirement or educational savings goals. Consult with your tax advisor to determine which type of IRA is right for you.
Traditional
Save for retirement in the future and you may be able to trim your income taxes now.
  •  Contributions may be income tax deductible.
    (Consult your tax advisor)
  •  Pay tax only when you withdraw money with qualified withdrawals
You can contribute when:
  •  You received taxable income during the year, and
  •  You won't reach age 70 ½ by year-end
Educational IRA
Also known as a Coverdell IRA, this plan allow you to set up accounts for a beneficiary to pay for the cost of higher education.
  •  Limited to $2k contribution for any one beneficiary per year
  •  $2k contribution limit reduced if your adjusted gross income is between $95k -$110k for single persons, or $190k to $220k for married persons. No contribution is allowed if your AGI is over the higher of these earnings limits
  •  Beneficiary must be under age 18 to receive contributions, and must make all withdrawals by age 30
  •  Funds may be used for private schooling between grades 1-12, as well as higher education
  •  3, 6, 12, 18, 24, 36, 48 or 60 month term
  •  New money, rollover or transfer from a qualified plan
  •  IRA Accumulator Account available
Share & IRA Certificate Rates
Rates as of: 7/1/2016
 
Dividend Rate
APYA
IRA Accumulator
0.05%
0.05%
Three month SC & IRA
0.15%
0.15%
Six month Youth SC
0.20%
0.20%
Six month SC & IRA (less than $100,000)
0.20%
0.20%
Six month SC & IRA ($100,000 or greater)
0.45%
0.45%
One year SC & IRA
0.30%
0.30%
Fifteen month SC & IRA
1.00%
1.01%
Eighteen month add-on SC & IRA
0.35%
0.35%
Two year SC & IRA
0.45%
0.45%
Three year SC & IRA (less than $100,000)
1.00%
1.01%
Three year SC & IRA ($100,000 or greater)
1.25%
1.26%
Four year SC & IRA
1.20%
1.21%
Five year SC & IRA
1.35%
1.36%

A) APY = Annual Percentage Yield.

See Truth In Savings for details