ABA Routing and Transit Number # 236084298

IRA Comparison

Account Type Features

Traditional IRA

  • Contributions may be tax-deductible* and earnings are tax-deferred until retirement
  • Mandatory distribution at age 70 ½
  • Contributions permitted until age 70 ½

Roth IRA

  • Contributions are not deductible but earnings grow tax-free
  • No requirement to begin distribution at age 70 ½
  • Withdraw earnings tax-free provided funds were undisturbed in account for at least five years and you are age 59 ½ plus
  • Contributions can be withdrawn tax-free at any time

Coverdell ESA

  • Contributions and their subsequent earnings are tax-free when withdrawn to pay for qualified education expenses
  • Invest up to $2,000 per year per child
  • Option to transfer the account if the child does not attend an institution of higher education

* Consult your tax advisor about potential tax savings with individual retirement accounts. Retirement account insurance protection is separate and apart from insurance coverage on other credit union accounts. Traditional, Roth and SEP IRAs are insured aggregately to $250,000.

Open an Account

  • Call 215-934-3500 or 800-832-PFCU (outside the metropolitan area).
  • Stop by a branch location.
  • Not a member yet? Join us!