TopLine Retirement Accounts (IRAs)

Whether you’re saving for retirement or the kids’ college fund, a TopLine Federal Credit Union IRA can offer tax advantages and exceptional long-term growth. Whether choosing an IRA Money Market account or one of our IRA Share Certificates, you'll enjoy free 24/7 online and mobile account access, eStatements and more. TopLine offers Traditional, Roth and Coverdell Education Savings options to fit your future needs.

Traditional IRAs

A TopLine Traditional IRA lets you save for retirement and defer taxes on contributions and earnings until you start making your IRA account withdrawals. Annual contribution limits vary according to age, regardless of income.


Coverdell Education Savings

Save for your kids’ college, elementary or secondary education expenses—from tuition to classroom supplies—with a TopLine Coverdell Account. Though not tax-deductible, contributions can be withdrawn tax-free and penalty-free.

Roth IRAs

Need more flexibility? While TopLine Roth IRA contributions are not tax-deductible, earnings can be withdrawn tax-free for qualifying purposes after five years. Annual contribution limits vary by age and income.

Talk to a TopLine Team Member

Contact Us

All TopLine savings accounts, money markets and share certificates are federally insured up to at least $250,000, and
IRAs are insured for an additional $250,000 by the National Credit Union Administration (NCUA).