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Traditional IRAs (individual retirement accounts) allow for pre-tax contributions with tax-deferred growth, but withdrawals in retirement are taxed.

Roth IRAs are funded with post-tax dollars, offer tax-free growth, and permit tax-free withdrawals in retirement.

SEP-IRAs (Simplified Employee Pension individual retirement accounts) are designed for self-employed individuals and small business owners, permitting larger pre-tax contributions than Traditional IRAs but taxing withdrawals in retirement.

With a Coverdell ESA (Education Savings Account), post-tax contributions can grow tax-free until they are withdrawn for qualified education expenses.

PFFCU offers all four IRA options.