Planning for retirement is easy at USSFCU. There are no minimum balances required to open an IRA Savings:* however, you must have earned income to qualify.** Whether you are planning your golden years or saving for your first home, an IRA Savings from USSFCU is the smart way to save for your future. Our Traditional IRA has federal tax advantages that will help you accumulate your money faster. (Consult your tax advisor for federal tax benefits.)

• Both savings and certificates accounts are available
• Earnings tax deferred until withdrawn**
• May be used for first time home purchase or education**
• Catch up contributions may be made by individuals attaining age 50 by December 31st of the tax year for which the contributions are made

To open your IRA, please contact us.

2010 Contribution Limits
The maximum contribution limit for 2010 is the lesser of $5,000 or your taxable compensation. A $6,000 contribution is permitted for individuals attaining age 50 by December 31, 2010.

2009 Contribution Limits
The maximum contribution limit for 2009 is the lesser of $5,000 or your taxable compensation. A $6,000 contribution is permitted for individuals attaining age 50 by December 31, 2009.