‘Tis the season for fraud, so always remember, NEVER give out your personal information by email, text, phone. St. Francis X will never contact you and ask you for any personal security or account information.The Credit Union will never call, email or text you to ask for your card number, account number or any other personal information. If you are unsure of who you’re speaking with, please call the Credit Union to confirm. We will be closed Tuesday, December 24th in observance of Christmas Eve (closing at 1pm ET). We will be closed Wednesday, December 25th in observance of Christmas.
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Start now to enjoy more later.

There is no magic number on what age you should start saving for retirement. Nor is there a set amount you need to save to be comfortable in your golden years. That’s up to you to decide.

What we can tell you is that compounding interest over a longer period of time is definitely your friend. And we can share with you our expertise on which IRA works best for your desired outcome. We offer:

  • Traditional IRAs – Offers tax deferrals on qualified contributions. You do pay taxes once you start making withdrawals at retirement age.
  • Roth IRAs – Does not offer tax deferrals on contributions. But, at retirement age, withdrawals are tax-free.
  • Educational IRAs – Allows you to put money away for future educational expenses. Earnings on assets are tax-free when used for qualified education expenses.
  • Simplified Employee Pension (SEP) IRAs – For business owners. Allows you to set up a pension fund for yourself and your employees.
  • Trust Shares – Gives you the ability to set up a trust for yourself or others.

Welcome to the neighborhood. If you have questions about our IRA products, feel free to drop by any convenient branch or give us a call. We’re looking forward to showing you what makes us truly unique.