Columbine Individual Retirement Accounts (IRAs)

Retirement might seem far off, but every decision today can bring it closer or delay it more. At Columbine, we make saving for retirement simple and straightforward, so the money you worked hard to earn stays earning, even after you’ve retired.

Retirement Savings Options

Whether you need a deposit IRA for your retirement funds or want the maximum earning power of an IRA Certificate, we’ve got options designed to fit your needs on your timetable.

For deposit Share IRAs (Traditional or Roth), keep scrolling. For IRA Certificates of Deposit, click the button below now.

Traditional IRA Share

A Traditional IRA lets you save now and settle the taxes later. Contributions are usually tax-deductible, and earnings grow tax-deferred until you begin taking money back out.

Always consult a professional tax advisor or accountant before taking any actions or making any decisions regarding your Traditional IRA.

Traditional IRA Features

$100 Minimum Opening Deposit
$15 Annual Account Fee
$25 Rollover/Transfer/Closeout Fee
Tax-Advantaged Savings Account
Earnings Are Tax Deferred
Distributions Begin at Age 59 ½
Distributions Required at Age 73
Penalty for Early Withdrawals
Early Withdrawal Penalties Waived in Certain Situations

Roth IRA Share

A Roth IRA lets your retirement savings grow tax-free. Taxes are paid on contributions going in so you don’t have to pay any on your withdrawals down the road. You can even make early withdrawals penalty-free as long as it doesn’t include any interest earned.

Always consult a professional tax advisor or accountant before taking any actions or making any decisions regarding your Roth IRA.

Roth IRA Features

$100 Minimum Opening Deposit
$15 Annual Account Fee
$25 Rollover/Transfer/Closeout Fee
Tax-Advantaged Savings Account
Earnings Are Tax-Free
Contribution Amounts Withdrawn Penalty-Free at Anytime
Distributions Begin at Age 59 ½
Account Must Be Open 5 Years Before Distributions
Penalties Waived in Certain Situations

Learn More About IRAs

Not sure which IRA is the right fit? Get the details, compare the differences, and choose the option that makes the most sense for you.

Need a Hand?

Questions about retirement planning or what IRA options fit you? Give us a call or stop by our branch today to get help for your tomorrow.

Early withdrawal penalties may apply. Always consult a professional tax advisor or your personal accountant before taking any actions or making any decisions regarding your tax-advantaged accounts or the funds therein. Federally insured by NCUA.

Individual Retirement Accounts