MSUFCU Routing Number: 272479663
MSUFCU SWIFT Code: MSUCUS44

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MSU Federal Credit Union | Personal | IRAs & HSAs

Individual Retirement Accounts (IRAs)

 

MSUFCU has the long-term savings options to help you save for retirement, higher-learning, or health care expenses. View current dividend rates.

 

Important Information: New Rules Impacting IRA Rollovers in Effect Beginning January 1, 2015

 

Coverdell Educational Savings Accounts, Health Savings Accounts, Traditional IRAs, Roth IRAs, and SEP Plan IRAs are insured for an additional $250,000.

 

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The Coverdell Education Savings Account (CESA) is an account that allows individuals to save money for a child's education. Contributions are non-deductible but feature tax-free, penalty-free withdrawals for certain educational expenses before the beneficiary reaches age 30.

  • Annual contribution limit of $2,000
  • Qualified education expenses include tuition and certain related expenses required for enrollment in a course at an eligible educational institution. Student-activity fees and expenses for course-related books, supplies, and equipment are included if the fees and expenses must be paid to the institution as a condition of enrollment or attendance.


Open a CESA


Open a CESA at any MSUFCU branch, or visit the IRA Service Center by clicking the button below. 



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A Roth IRA gives you the ability to invest your after-tax dollars today and take qualifying withdrawals tax free after five years on deposit and if you are at least age 59½, disabled, or are a first-time home buyer. Contributions may be made at any age, as long as you have earned income.

 

Tax Year Contribution Limits1
2014 $5,500  ($6,500 for catch-up contributors age 50 and over)
2015 $5,500  ($6,500 for catch-up contributors age 50 and over)

 

Open a Roth IRA


Open a Roth IRA at any MSUFCU branch, or visit our IRA Service Center by clicking the button below.

 

1Contributions to your Roth IRA may be limited by your filing status and income. Be sure to discuss your specific tax situation with your tax advisor.