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Individual Retirement Accounts

Our Individual Retirement Account allows you to save for retirement and may also have tax advantages.  Always check with your tax advisor to see if you are eligible.  FFCU offers Traditional IRA's and Roth IRA's. You can choose from an IRA savings account or IRA certificates of deposit.  

Traditional IRA

Individual retirement accounts are a great way to save for the future!  A traditional IRA can be opened and funded without any employer participation.  Contributions and/or earnings are tax-deferred until retirement.  Unlike many employer plans, money in the account is always accessible; however, until age 59½ there is a 10% early distribution penalty unless you qualify for an exemption due to one of the following: disability, qualifying education expenses, unemployment, qualifying first-home purchases, death, or receipt of your IRA assets in equal payments over your life expectancy.

Roth IRA

Roth IRAs differ from Traditional IRAs in that the money you contribute to a Roth IRA has already been taxed, so the principal amount is never subject to taxes or penalties in the future, as long as you stay within the contribution guidelines.  This retirement plan allows the money you contribute to grow tax-deferred and does not have an age limit on making contributions.

If you do not withdraw any of the earnings until you have had the plan for at least five years, or satisfy one of the qualifying events, those tax-deferred earnings become tax-free.

IRA's are insured up to $250,000 per member by NCUA.  IRA's are insured separately from your regular accounts.  To learn more about NCUA Share Insurance Coverage, visit their website,

For more information on IRA's, contact us at your local branch.  

See the rates section for our current IRA rates.

Hapeville Main Branch
3604 Atlanta Ave.
Hapeville, GA 30354
Phone: (404) 768-4980
Fax: (404) 768-5496

Roswell Branch
1560 Holcomb Bridge Rd.
Roswell, GA 30076
Phone: (770) 667-8114
Fax: (770) 667-8329

Family First Credit Union is committed to providing equal access to all individuals, including those with disabilities, seeking information on our website. If you are unable to access content on this website, have questions about accessibility of content or technology used by Family First CU, and/or would like to report barriers to accessing any technology used by Family First CU, including this website, please contact us at 3604 Atlanta Ave, Hapeville, GA 30354, Email:, fax: 404-768-5496 and Phone: 404-768-4980.

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