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HOLIDAY HOURS: MSCU will be closed on Thursday, Nov. 26 through Friday, Nov. 27. Please note, card assistance will be available during this closure by calling 800-761-2400 option 5. Members can access their accounts 24/7 through our ATM network, Digital and Mobile Banking options.


Roth IRAs

Take advantage of tax-free retirement savings.

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Tax-Free Flexibility

If you’re looking for tax-free earnings and withdrawal flexibility, a Roth IRA might be the retirement savings account for you.  

With a Roth IRA, your earnings grow tax-free and can be withdrawn without tax penalty if you’re 59 ½ or older and the money has been in your account for at least five years.

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Roth IRA 101 

Who can contribute?

You can contribute to a Roth IRA is you, or your spouse filing jointly, has a taxable income and your modified adjusted gross income is below the set limit.

Are my contributions tax deductible?

No, your contributions cannot be deducted.

How much can I contribute annually?

$6,000 or $7,000 if you’re over the age of 50

When can I withdraw money?

You can make tax-free withdrawals if you’re 59 ½ or older and the money has been in your account for at least five years.


We do not offer tax advice. You should always consult with a tax professional when it comes to your contributions and deductibility. 

Please see our Truth-In-Savings Disclosure for full details and our Rates Page for the most current rates.

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