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Retirement Frequently Asked Questions

Yes—we’re here to help you build a future you can look forward to. At First Tech, we offer Individual Retirement Accounts (IRAs) designed to support your long-term financial goals, whether you're just starting out or nearing retirement.

IRA Options to Fit Your Life

Whether you prefer to manage your investments yourself or want expert guidance, we offer flexible solutions:

  • Traditional IRAs – Contributions may be tax-deductible, and earnings grow tax-deferred until retirement.
  • Roth IRAs – Contributions are made with after-tax dollars, and qualified withdrawals are tax-free.
  • IRA Certificates – A secure way to grow your retirement savings with fixed rates and terms.

Want help choosing the right IRA? Our team is here to guide you based on your goals, timeline, and tax considerations.

Planning Tools & Support

Helpful Resources

 

While Individual Retirement Accounts (IRAs) are designed for one person only, both you and your spouse can open separate IRAs to plan for your future together. At First Tech, we make it easy for each of you to build retirement savings tailored to your individual goals—while working toward a shared vision of financial wellness.

Eligibility Requirements

To open an IRA at First Tech:

  • You must be the primary owner of a Membership Savings account
  • Your spouse must also open their own Membership Savings account to be eligible for an IRA

Tip: Even if one spouse doesn’t earn income, a Spousal IRA may be an option. Speak with a financial advisor to explore what’s best for your household.

How First Tech Supports Your Retirement Journey

  • Traditional and Roth IRAs to match your tax strategy
  • IRA Certificates for secure, fixed-rate growth
  • Wealth Management Services for personalized retirement planning
  • Digital tools to track contributions and growth

Helpful Resources

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