b'SAVINGSIndividual Retirement AccountsTraditional Competitive rates Dividends paid monthlyDefer taxes on the earnings of your contributions until they are withdrawnRothFeatures tax-free withdrawals/earnings Allows nondeductible contributions, taxed in theyear they are earnedFlexAllows deposits to be made by payroll deductionor auto-transfer Dividends paid monthlyCoverdale Educational Savings Accounts (CESAs)Savings for educational needsChild (under 18) must be a member at CUANo age restrictions are imposed for children with special needsTax-free withdrawals if used foreducational expensesVisit our site for information about current rates: CUofAmerica.com/Retirement.*Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-deal (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. Credit Union of America is not registered as a broker-deal or investment advisor. Registered representatives of LPL offer products and services using Credit Union of America, and may also be employees of Credit Union of America. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, Credit Union of America. Securities and insurance offered through LPL or its affiliates are: Not insured by NCUA or AnyNot Credit UnionNot Credit Union May Lose Other Government Agency Guaranteed Deposits or Obligations Value6'