Your one-stop IRA shop
We cover most popular IRA options, so you can save in a way that works for you.
What is an IRA?
An Individual Retirement Account (IRA) is a special account that helps you save for retirement. It’s popular because it allows people to grow their savings over time. With an IRA, you can choose from different types of investments, like stocks or bonds, to help your money grow for the future.
Types of IRAs
If you want to make your future bright, saving now is essential. That’s why we offer a variety of IRAs!
Traditional IRA
A Traditional IRA is a tax-advantaged retirement account that allows you to contribute pre-tax dollars. Contributions to a Traditional IRA are tax-deductible, which can reduce your taxable income for the year. The earnings within a Traditional IRA grow tax-deferred, meaning you won’t owe taxes on them until you withdraw the funds in retirement. However, withdrawals from a Traditional IRA are subject to income tax. Always consult a certified financial planner.
Roth IRA
A Roth IRA is funded with after-tax dollars. Although contributions to a Roth IRA are not tax-deductible, the earnings grow tax-free. One of the key benefits of a Roth IRA is that qualified withdrawals in retirement are tax-free. Additionally, Roth IRAs do not have required minimum distributions (RMDs) during the account owner’s lifetime, making them a flexible retirement savings option. Always consult a certified financial planner.
IRA Certificate of Deposit
Earn more from your IRA by putting your money aside for a set term in a Certificate of Deposit. For the list of current rates please visit myzing.com/rates. Always consult a certified financial planner.
We’re here for all your pressing questions
Retirement accounts can be quite confusing, but don’t worry, your friendly local credit union has your back. We’d love to sit down with you and chat about any questions you might have. Our goal is always to help you achieve your goals.

Best banking decision I ever made! Love all the employees... They take care of you and your money...
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Make your goals
Decide with retirement option is better for you! Feel free to give us a call if you need expert advice.
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Get in touch
Give us a call or use your app to open your account.
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Enjoy Retirement!
When the time comes to retire, get ready to enjoy your hard earned money.
401(k) vs IRA: How to Pick the Right Retirement Plan for You
With so many responsibilities in our day-to-day lives, it’s common to feel unprepared for your retirement. If you’ve ever caught yourself staring at your 401(k) statement blankly or questioning whether a Roth IRA is the right move, you’re not alone. With guidance, these accounts can feel less daunting and more like tools you can confidently use to secure your future.

Retirement Savings Accounts Disclosures
Please consult your tax advisor regarding potential tax benefits.
Always consult a certified financial planner.
TRUTH IN SAVINGS DISCLOSURE
Except as specifically described, the following disclosures apply to all the accounts.
- Rate Information. The dividend rate, or interest rate, and annual percentage yield on your accounts are set forth on the reverse side. The annual percentage yield is a percentage rate that reflects the total amount of dividends/interest to be paid on an account based on the dividend/interest rate and frequency of compounding for an annual period. For Certificates of Deposit and IRA Certificates of Deposit, the interest rate and annual percentage yield are fixed and will be in effect for the term of the account. The annual percentage yield is based on an assumption that interest will remain on deposit until maturity. A withdrawal will reduce earnings.
- Nature of Dividends. Dividends are paid from current income and available earnings after providing for the required reserves. The dividend rates and annual percentage yields are the prospective rates and yields that the Credit Union anticipates paying for the applicable dividend period.
- Compounding and Crediting. Interest and dividends will be compounded and credited as set forth on the reverse side. The dividend/interest period for each account is also set forth on our Rate and Fee Schedule. The dividend/interest period begins on the first calendar day of the period and ends on the last calendar day of the period.
- Balance Information. The minimum balance required to open each account is set forth. Interest is calculated by the daily balance method which applies a daily periodic rate to the principal in the account each day.
- Accrual of Dividends. Dividends will begin to accrue on cash deposits on the business day you make the deposit to your account. Dividends will begin to accrue on noncash deposits (checks) on the business day you make the deposit to your account. If you close your account before accrued dividends are credited, accrued dividends will not be paid.
- Account Limitations. The account limitations for each account are set forth in our Membership and Account Agreement
- Your account will mature on the maturity date set forth on your account receipt or renewal notice.
- Early Withdrawal Penalties. A penalty may be imposed if you withdraw any of the certificate funds before the maturity date or the renewal date, if this is a renewal account.
- Amount of Penalty. For Certificates of Deposit and IRA Certificates of Deposit the amount of the early withdrawal penalty for your account is 90 days’ interest for a term of 12 months or less, and 180 days’ interest for a term over 12 months.
- How the Penalty Works. The penalty is calculated as a forfeiture of part or all of the interest that have been earned on the account. This penalty applies to earned interest and principal.
- Renewal Policy. Certificate of Deposit accounts will automatically renew for another term upon maturity. You have a grace period of seven days in which to change or withdraw the funds without being charged an early withdrawal penalty.
- Exception to Early Withdrawal Penalties. At our option, we may redeem the account before maturity without imposing an early withdrawal penalty under the following circumstances:
- When an account owner dies
- or is determined legally incompetent by a court
- or other body of competent jurisdiction.
- Nontransferable / Nonnegotiable. Your account is nontransferable and nonnegotiable. The funds in your account may not be pledged to secure any obligation of an owner except obligations with the Credit Union.
- FEES FOR OVERDRAWN ACCOUNTS. Fees may be imposed on each check, draft item, ATM card withdrawal, debit card withdrawal, debit card point of purchase, preauthorized automatic debit, telephone initiated withdrawal or any other electronic withdrawal or transfer transaction that is drawn on an insufficient available account balance. The entire balance in your account may not be available for withdrawal, transfer or payment of a check, draft or item. You may consult the Funds Availability Policy for information regarding the availability of funds in your account. Fees for overdrawing your account may be imposed for each overdraft, item or transaction. If we have approved an overdraft protection limit for your account, such fees may reduce your approval limit. Please refer to the Rate and Fee Schedule for current fee information.
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