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Bethpage IRA Certificate Account

It's all about the future.

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The retirement nest egg that won't crack on you.

IRA Nest Egg

Looking to maximize your current income or planning for your future? Bethpage IRA Certificates offer a safe and reliable solution to risky investments.

  • Traditional or Roth IRAs
  • Open your IRA Certificate Account with as little as $50
  • Rollover your existing IRA or 401(k) from a previous employer
  • Guaranteed returns for the term of the certificate and federally insured by NCUA.

Opening a Bethpage IRA Certificate Account is simple.


We are here to help answer general questions regarding Bethpage IRA Certificate Accounts. We encourage you to consult with a financial advisor or tax professional for guidance.

Please schedule a video, phone, or in-person appointment by clicking the button below:


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Which is the right IRA for me?

FAQs Traditional IRA Roth IRA
Do I qualify? Yes. If you or your spouse (filing-jointly) earns taxable income, regardless of age. Yes. If you or your spouse (filing-jointly) earns taxable income, regardless of age.
Are there income limits? No limits. The limits are based on income and tax filing status. We encourage you to consult with a financial advisor or tax professional for guidance.
Can I have a 401(k) at the same time? Yes. Yes.
How much can I contribute? $6,500 to both accounts combined. $7,500 if 50 and over. [1]
Are contributions tax deductible?* Yes. [2] No. [2]
What if I want to make withdrawals? [2] Withdrawals after age 59 ½ are taxed as regular income.
Withdrawals before 59 ½ may be subject to taxes and an IRS penalty.
Withdrawals after age 59 ½ are tax free as long as the account is at least 5 years old.
Withdrawals before 59 ½ may be subject to taxes and an IRS penalty.
Do I have to take distributions? You must take distributions after age 73. No withdrawal requirements.



[1] Catch-up contribution eligibility begins on January 1 of the calendar year of contributor's 50th birthday.

[2] Bethpage representatives are not licensed tax accountants and cannot give advice on or answer questions relating to IRA tax filings. Please seek a professional tax advisor if you have questions relating to how IRA transactions can affect your taxes.

Plan now for the future.
Contact us today to get started.

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