Do you want to know more about membership, or a product or service? Please select from the categories below to find answers to many commonly asked questions.
- ATM/Visa® Debit Card
- Electronic Notifications - APCI eAlerts
- Electronic Statements - APCI eStatements
- Loan - General
- Loan - Real Estate
- Loan - Vehicle
- Member Service
- Mobile Banking - APCI eMobile
- Mobile Check Deposit - APCI eDeposit
- Online Applications Center
- Online Banking - APCIRCUIT®
- Online Bill Pay Service - APCI PAY®
- Referral Program - APCI eReferral
- Share Certificates
- Share Savings & Share Draft Checking
- Telephone Banking Service - APCI eTalk
Yes, the Credit Union offers both Traditional IRA and Roth IRA accounts.
Yes, you can. The maximum contribution for the year is accumulative. As an example, in 2019 you can contribute $3,000 to a Traditional IRA and $3,000 to a Roth IRA, and this would take you to your annual contribution amount.
For 2018, the contribution limit for both is $5,500 per year or a cumulative total of $5,500 between both a Traditional IRA and Roth IRA per year. For 2019, the contribution limit for both is $6,000 per year or a cumulative total of $6,000 between both a Traditional IRA and Roth IRA per year. If you are 50 years old or older, you are able to contribute an additional $1,000 as a ‘catch up’ contribution.
Contributions to a Traditional IRA are pre-tax dollars and could offer tax deductibility and contributions to a Roth IRA are after tax dollars and could offer tax free withdrawals.
Anyone who earns wages, including the spouse of someone who earns wages (if spouse does not), and has not yet reached 70 ½ years of age is eligible.
Anyone who earns wages, including the spouse of someone who earns wages (if the spouse does not), and does not earn over $131,000 as a single tax filer or over $193,000 as a joint filer is eligible.
A carry back contribution is a contribution made for the previous year. These contributions must be made between January 1 and April 15.