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IRA Accounts

Plan today, retire with peace of mind. 

We’re here to help you build the retirement you deserve. Choose from Traditional or Roth IRAs from a credit union with competitive IRA rates designed to grow with your goals.

  • Tax advantages 
  • Competitive rates 
  • Local guidance
Open an IRA Calculate Your Retirement Savings
Compare IRA Options

Choose the IRA that's right for you.

Join thousands of your neighbors in St. Louis who've started building their retirement with an IRA from Vantage Credit Union. Let's find the right fit for you. 
Traditional IRA
Save for retirement with deductible pre-tax dollars.
Open an IRA
Roth IRA
Invest after-tax dollars toward your retirement.
Open an IRA
Tax Advantages Contribution
May be tax-deductible 
Not tax-deductible 
Earnings
Taxes are deferred until you begin withdrawing funds 
Tax-deferred and possibly tax free if you meet eligibility requirements 
Contributions Maximum Contributions
Under Age 50: $7,000  
Age 50 and over: $8,000 
Under Age 50: $7,000  
Age 50 and over: $8,000 
Eligibility
Anyone with earned income may contribute; however, contributions may be limited depending on MAGI tables
Anyone with earned income may contribute; however, contributions may be limited depending on MAGI tables
Withdrawals Tax/Penalty Consequences
All earnings and deductible contributions are taxable upon withdrawal 

Penalties will be assessed if withdrawals are taken before age 59 ½, or if withdrawals are not taken by age 73 
Contributions can be withdrawn anytime without taxes or penalties 

Earnings can be withdrawn without taxes and penalties if you're at least 59½ and your account has been open for 5 years or more 
Distribution Requirements
Required minimum distributions upon reaching age 73 
None 
Exceptions to Penalties
Some exceptions are made if funds are used for a first-time home purchase, education or certain medical expenses 
Some exceptions are made if funds are used for a first-time home purchase, education or certain medical expenses 
Open an IRA
Open an IRA

Traditional IRA

Save for retirement with deductible pre-tax dollars.

Tax Advantages Contribution May be tax-deductible 
Earnings Taxes are deferred until you begin withdrawing funds 
Contributions Maximum Contributions
Under Age 50: $7,000  
Age 50 and over: $8,000 
Eligibility Anyone with earned income may contribute; however, contributions may be limited depending on MAGI tables
Withdrawals Tax/Penalty Consequences All earnings and deductible contributions are taxable upon withdrawal 

Penalties will be assessed if withdrawals are taken before age 59 ½, or if withdrawals are not taken by age 73 
Distribution Requirements Required minimum distributions upon reaching age 73 
Exceptions to Penalties Some exceptions are made if funds are used for a first-time home purchase, education or certain medical expenses 
Open an IRA

Roth IRA

Invest after-tax dollars toward your retirement.

Tax Advantages Contribution Not tax-deductible 
Earnings Tax-deferred and possibly tax free if you meet eligibility requirements 
Contributions Maximum Contributions
Under Age 50: $7,000  
Age 50 and over: $8,000 
Eligibility Anyone with earned income may contribute; however, contributions may be limited depending on MAGI tables
Withdrawals Tax/Penalty Consequences Contributions can be withdrawn anytime without taxes or penalties 

Earnings can be withdrawn without taxes and penalties if you're at least 59½ and your account has been open for 5 years or more 
Distribution Requirements None 
Exceptions to Penalties Some exceptions are made if funds are used for a first-time home purchase, education or certain medical expenses 
Open an IRA
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“I believe my entire life has been financed by Vantage.”
Chrissy Sachs Member since 1989
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“We were actually able to refinance our house at a very competitive rate with personalized service.”
Chris Woodson Member since 2007
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“Vantage has really helped me to prepare for my future as well. My husband and I are talking about maybe in retirement purchasing a lake house.”
Tammy MacLean Member since 1993
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“Because of the financial literacy that I have learned through Vantage and all their programs they offer, my credit score has increased 300 points.”
Carrie Knight Member since 2012
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“Starting with Vantage at such a young age was helpful because they were able to really set me up to be financially literate as an adult.”
Jessica Caldwell Member since 2008
Financial Tool
More Ways to Grow Your Money

Take savings strategy to the next level.

Money Market

Make the most of larger deposits with a Premier Money Market account. 

Certificate of Deposit

Looking for a more robust savings option? A CD may be the answer. 

Investment

Saving is smart, investing is brilliant! Take the next step toward your financial goals. 
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