Retirement Accounts

Enjoy time with the grandkids at home or set sail to exotic lands.
Whatever you envision for your retirement, make it possible by preparing today.
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There are no setup or monthly fees, just competitive dividends to give your balance a lift. The future is at your feet with an IRA from Del-One FCU.

Visit any branch location throughout Delaware to open an IRA retirement account today!

Competitive dividends above standard savings rates

Traditional and Roth IRA options

No setup fees

No monthly or annual maintenance fees

Annual contribution limit is $6,500, or $7,500 for ages 50+

Funds can be used to purchase certificates within IRA

 No minimum deposit to open

PLUS Additional Coverage for IRAs!

Learn More

An IRA can help you save more for retirement. Explore the differences between a Traditional IRA and a Roth IRA and decide which one is right for you.

Save for retirement with a Traditional IRA. A Traditional IRA allows you to save on your own for retirement with tax-deferred earning and a possible tax deduction.

Prepare for your future with a Roth IRA. A Roth IRA helps you save for retirement with the potential for future tax-free income.

Move your retirement savings without losing tax benefits. When moving money between your IRAs and retirement plans, be sure you understand the rules.

My employer is closing our current retirement plan. Can Del-One help me roll it over to an IRA?

  • Yes. The easiest way to handle this is as a direct rollover from your 401 (k) (qualified plan) into an IRA. The 401(k) administrator at your former employer should have the necessary documents to initiate this transaction. Contact Del-One to open an IRA Plan before your rollover is completed.

Is it time to cash in on your retirement savings? Be sure you understand the rules and possible tax consequences of taking IRA and retirement plan distributions.

When can I access the funds in my IRA?

  • You may withdraw available funds from your IRA at any time. Withdrawals made before age 59 ½ may be subject to taxation and IRS penalties, depending on the type of IRA and nature of the withdrawal.
  • Should you choose to invest funds in an IRA Certificate with Del-One, funds withdrawn outside of the grace period may be subject to Del-One’s Early Withdrawal Penalty.

If you’ve inherited an IRA, make sure you understand your options.