An Individual Retirement Account (IRA) is a special tax deferred interest savings program through which a member may save for retirement. Qualifying members receive the benefit of deducting their IRA contributions from their taxable income and deferring tax payments on the interest earned on their deposits until the IRA funds are withdrawn (check with your tax advisor to determine if you are eligible for this special deduction). We offer IRA Savings Accounts and IRA Certificate Accounts.