Planning for the future is always a good idea.

Whatever your future goals maybe, we've got the plans. From IRA's, Trusts and brokerage services, to Coverdell edcational savings accounts, choose the account that works best for you.

Traditional IRA

A type of retirement savings that allows tax deferred contributions.  Contributions must come from earned income.  Typically amounts in your traditional IRA (including earnings and gains) are not taxed until distributed.  After the age of 59 ½ you are free to withdraw as little or as much as you’d like without a penalty.  At the age of 70 ½ you are required to start taking minimum required distributions.  All payouts are subject to income taxes.  Consult your tax advisor for advice.

Roth IRA

A type of retirement savings that allows after taxed contributions.  Contributions must come from earned income.  After the age of 59 ½ and have had the account for at least five years, you are free to withdraw as little or as much as you’d like without a penalty.  At the age of 70 ½ you are required to start taking minimum required distributions.  Consult your tax advisor for advice.

Coverdell (Educational Savings Account)

A trust or custodial account designed to help families pay for education.  A Coverdell ESA offers tax-free earnings growth and tax-free withdrawals when the funds are spent on educational expenses.

Trust Accounts

A trust is an arrangement that allows a third party, or trustee, to hold assets on behalf of a beneficiary or beneficiaries.  Trusts can be arranged in many ways and can specify exactly how and when the assets pass to the beneficiaries.  The most common trusts are:

A Revocable Living Trust - This type of trust is set up in order to have some assets avoid the probate process when the grantor dies.  The grantor is often the trustee in these trusts, in charge of the assets until death.  This kind of trust remains subject to estate taxes.
An Irrevocable Living Trust - This kind of trust is often used in order to transfer assets to another person or entity.  It removes the assets from the grantor’s estate, thereby reducing or eliminating estate taxes. 

Once you become a member of Signature FCU, you will be eligible to open a Trust Account.  To open a Signature FCU Trust Account you will need to provide the trust document from your attorney, and complete the Signature FCU Trust application.

CUNA Brokerage Service

Signature FCU has partnered with CUNA Brokerage Services, Inc. to deliver brokerage account services to Signature FCU members at a reduced price. They offer online tools to help you make smarter decisions when investing in the stock market. Additional details at www.cbsinvestorconnection.com

Online Service Center

Access your CUNA Mutual Group investment and insurance policy account information online anytime. Visit the site to download forms, change your address or transfer funds online. Additional details at https://eservice.cunamutual.com

Application Center

Ready to open your IRA or Trust account? Complete one of the application(s) options below.

View IRA Rates Open an Account Online Membership Application

Trust Account Application

If you have completed the Membership Application or Trust Account Application, you can submit it by using our Secure Upload button below.

Securely Upload your Membership or Trust Application 

Already a Member?

A new application is not required to add an IRA or Trust to your account, please contact our Member Services Department at (800) 336-0284 ext. 684 or MemberServices@signaturefcu.org

The information here should not be constructed as tax advice. Talk to a tax professional for advice based on your age, long-range earnings outlook and retirement plans -  call the Signature FCU IRA Help Center at (800) 336.0284 ext. 684 for rate information, questions or help with paperwork. IRA accounts can only be funded by earned income.