Individual Retirement Account

Start saving for the future now!

Make a real start on your retirement, rather than daydreaming a better way to spend your workday. 

To open your Individual Retirement Account, please call



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GO Federal Credit Union offers a full suite of financial services - just like bank.

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All profits are returned to members in the form of lower loan rates, higher savings rates, personalized service and convenient tools.

Individual Retirement Account (IRA)

An Individual Retirement Account (IRA) is one of the most popular retirement savings options. Thanks to special federal tax laws and increased contribution limits, they’re also one of the most effective. With so many options, you can choose the perfect account for your age, income level, and retirement goals. 

IRA Savings Account

  • Open with a minimum deposit of $25
  • Earn dividends by maintaining a minimum average daily balance of $25
  • Deposits can be made by payroll deduction
  • There are substantial penalties on funds withdrawn before age 59½
  • Our IRAs are federally insured by the National Credit Union Insurance Fund
  • Set up a direct deposit into your IRA Savings Account for greater savings

IRA Certificate (Term Share Certificate)

  • Open with a minimum deposit of $500. 
  • Dividends are paid on balances of $500 or more
  • Choose from a variety of terms ranging from six months to give years
  • The interest rate on an IRA is fixed-the rate you earn will stay the same until maturity
  • There are substantial penalties on funds withdrawn before age 59½
  • Our IRAs are federally insured by the National Credit Union Insurance Fund

 Have questions? We’re happy to help. Click here to contact us by email or call 214.742.6551.

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Other IRA Options

  • Traditional IRA – Pre-tax dollars are invested and allowed to grow until the member reaches the minimum age of retirement (59½) whereby any withdrawn funds will be subject to taxes. Read more about IRA Distributions here.  Read more about Inherited IRAs here.
  • Roth IRA – Allows you to invest after-tax dollars today and let the funds grow with the potential to distribute the funds tax- and penalty-free at retirement. 
  • Coverdell Education Savings Account – (ESA) allows members to invest for the purpose of funding a student’s education. Read more about ESAs here.

For more information on our IRA products, or to open and maintain your IRA, please visit our IRA Center. 

IRA Center

Interested in other account options?


We offer a variety of savings options to meet the needs of every member. All of our accounts include time-saving features, earn competitive dividends, and are federally insured up to $250,000 by the NCUA. 

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Interested in connecting your Share Savings Account to your checking for maximum protection? Check out our Checking Account options.