Individual Retirement Account (IRA)

IRAs are still an excellent way to help you prepare financially for the retirement years while your IRA earnings accumulate tax-deferred. Our flexible IRA accounts help you save for retirement and save on taxes, too.

JetStream Federal offers two types of IRA plans, Traditional and Roth. You choose the plan that’s right for you.

Traditional IRA

This type of IRA is for those members who are looking for tax deferred growth potential – all contributions and growth are tax-deferred. Contributions can be made as long as you have earned income and you’re below the age of 70 ½. Tax is paid upon withdrawal. You must start withdrawing the funds by age 70 ½.


  • No Monthly Fees
  • Competitive Rate
  • Dividends accrue daily and compound monthly
  • No minimum balance required
  • Catch up contributions for those 50 or older
  • View your balance anytime with online banking

Roth IRA

Offers more flexibility than a Traditional IRA regarding how and when your funds can be withdrawn*.   You fund a Roth with after-tax dollars, meaning you’ve already paid taxes on the money you put into it. In return for no up-front tax break, your money grows and grows tax free and when you withdraw at retirement you pay no taxes. Withdrawals* and growth are tax-free. Contributions are not tax-deductible but can be made after the age of 70 ½ without any required minimum distributions as long as you have earned income. You can leave the money in for as long as you want.


  • No Monthly Fees
  • Qualified earnings can be withdrawn tax free*
  • No minimum balance required
  • No required minimum distributions
  • View balances anytime with online banking

IRA Certificate Account

To earn more on your money, open an IRA Certificate, with fixed rates and terms ranging from 6 to 60 months.

Federal Insurance

The National Credit Union Administration (NCUA), an agency of the U.S. Government, federally insures your accounts to $250,000, with Individual Retirement Accounts separately insured up to $250,000.

*Certain restrictions apply. Not all taxpayers are eligible. Consult your tax advisor for details.


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