With uncertainty over the ability of Social Security to meet your needs, you will be forced to rely more on your own resources to support your retirement lifestyle.  Individual Retirement Accounts (IRA’s) are great tax-favored ways to save for retirement. 

With a traditional IRA, your earnings grown tax differed, so you won’t owe income taxes until you make withdrawals.  And if you are eligible, your contributions may be tax deductible.  The Credit Union offers both Traditional and Roth IRA in savings and certificate accounts.