Many financial planners estimate you will need 70-80 percent of your current income to maintain your lifestyle during retirement. Social Security will only provide a fraction of that income. Now more than ever, personal savings are your key to a comfortable retirement nest egg. Establishing an Individual Retirement Account (IRA) can provide the additional savings you’ll need for the future.

• No annual maintenance fees
• Insured up to $250,000 by the NCUA
• Earn certificate rate dividends
• Stability of a fixed rate of return
• Convenient account access

SchoolsFirst FCU IRA Certificates offer a fixed rate for a specified term, and are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), an arm of the National Credit Union Administration (NCUA), up to $250,000. Your credit union also offers additional IRA investment options, which are not federally insured.