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Routing Number: 272479663
 Swift Code: MSUCUS44
 
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IRA and HSA Options: Plan for Your Future with Confidence
Whether you're just starting your retirement savings journey, considering a rollover of an existing account, or exploring ways to manage current or future healthcare expenses,
OU Credit Union offers a range of flexible options to help you plan for every stage of life-including:
• IRAs
• Health Savings Accounts (HSAs)
• Coverdell Education Savings Accounts (ESAs)

With Traditional and SEP IRAs, your contributions may be tax-deductible and earnings can grow tax-deferred until withdrawn in retirement.

With a Roth IRA, your contributions are made with after-tax funds and qualifying withdrawals may be tax-free.

MSUFCU also offers Coverdell Education Savings Accounts (CESAs), which allow tax-free withdrawals for qualified education expenses.

Health Savings Accounts (HSAs) are also available for members enrolled in high-deductible health plans. HSAs allow you to save for qualified medical expenses with triple tax advantages:
• Contributions are tax-deductible
• Earnings grow tax-free,
• Withdrawals for eligible healthcare costs are also tax-free.

Traditional IRA

A Traditional IRA allows for tax deferred growth of contributions and earnings to be tax deferred until you withdraw them at retirement, when you may be in a lower tax bracket.

Roth IRA

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 59 1/2, disabled, or are a first-time home buyer.

Health Savings Account

A Health Savings Account, or HSA, is an IRA-like account that is designed exclusively for covering medical expenses incurred by the person who establishes the account and his or her dependents.

Coverdell Education Savings Account

The Coverdell Education Savings Account (CESA) is an account that allows individuals to save money for a child's education.

Simplified Employee Pension (SEP) Plan IRA

SEP Plans provide employers with a simplified way to contribute funds toward an employee's retirement or, if self-employed, his or her own retirement.

Disclosures
MSUFCU does not offer tax advice. Be sure to discuss your specific tax situation with your tax advisor.

Contributions 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.

Individuals already enrolled in employer-sponsored pension plans will not be eligible for the SEP Plan IRA.

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

Get FileIRA & IRA/HSA IMMA Disclosure Get FileIMMA Agreement & Disclosure
So far in 2025, we've saved our members $11,976,205 in loan interest by refinancing their high-rate loans from other institutions to OU Credit Union.
Learn how we're helping members save
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    Routing Number: 272479663
    Swift Code: MSUCUS44

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