Centra will never call you and ask for your personal information. This includes your account numbers, credit and debit card numbers, Social Security number, digital banking username and password, and any other sensitive information. If someone calls you claiming to be from Centra and asks for any personal information, you should hang up immediately and call your nearest Centra location or our Contact Center at 800-232-3642. Visit our Fraud Prevention and Protection Center to learn more.

Home / IRAs

IRA Savings

It’s never too early to start saving for education or retirement expenses. From setting money aside for college expenses to planning ahead so you can reap the rewards of your hard-working years, we offer investment options that will help your money grow. With Centra, you can open a:

 

Traditional IRA*

  • Almost anyone with earned income is eligible
  • Tax-free contributions (tax on withdrawals)
  • Compounding interest
    Start withdrawing by age 70½

Roth IRA*

  • Income limits for contributing
  • Tax-free withdrawals (tax on contributions)
  • Compounding interest
    More flexibility for withdrawals

Coverdell Education Savings Account* (Education IRA)

  • Trust or custodial account
  • Used to pay qualified education expenses for a designated beneficiary
  • Tax-free distributions

Get Started Today

Already a Member? Manage your current account or open a new one at Retirement Central. See contribution limits and other handy information on the IRS website. To get more information or open an IRA Savings account, contact us or make an appointment that works for your schedule.

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*Early withdrawal penalties and maintenance fees may apply and could reduce earnings on deposit accounts.

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