For most people, saving and working toward retirement is a long-term process that takes planning, hard work and, a lot of times, sacrifice.
At 121 Financial Credit Union, we know our members work hard and do their best every day. That’s why it’s our mission to help them make the most of their hard-earned money by providing retirement and financial services at no cost — with no obligations, no hidden fees, and no asset requirements.
Whether you have $5,000 or $500,000, we treat all our members with respect and dignity and work to help them reach their financial goals.
Learn more about our no-cost, no-obligation financial planning services.
Always know where your retirement savings stand. With our ROTH IRA account, you pay taxes on your savings as your earnings are deposited so that you can enjoy tax-free income during your retirement. This is a great retirement investment option if you have a qualified earned income within Modified Adjusted Gross Income (MAGI) limits and/or expect to be in a higher tax bracket when you retire than you are currently.
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Grow your retirement savings tax-deferred. Our traditional IRA accounts let you increase your investment in your future with tax-deductible contributions that earn competitive dividend rates. This is a great retirement investment option to supplement other retirement savings and/or if you want to defer paying taxes on your earnings until after you retire.