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1st Financial is now Alltru Credit Union.  IMPORTANT:  The Hazelwood Branch Lobby is currently by appointment only. Learn More.

Save for the future your way.

It’s your future – so at Alltru, we give you a lot of different ways to save for it. Whether you’re putting money away for a short-term goal or saving for retirement. Our Certificates of Deposit (CDs) and Individual Retirement Accounts (IRAs) let you set money aside and earn more interest than a traditional savings account. Each account is federally insured up to $250,000 by the National Credit Union Administration (NCUA).

Teresa

Alltru Member

CD Features

Certificates of Deposit (CDs)

Save on your timetable.

When you open a CD, you can start with just $250 and save from three months up to five years. Longer terms earn higher rates – but you’ll pay a penalty if you withdraw early.

Lock-in your interest rate.

Your interest rate is fixed when you open your account and won’t change until the CD reaches maturity (the end of your term).

Earn money each quarter. 

Interest is compounded, or added to your account, each quarter.

IRA Features

Individual Retirement Accounts (IRAs)

Alltru IRAs help you secure your future with a higher rate of return – and no risk of market downturns. We offer three different savings options, depending on your goals and your specific tax situation. Please consult your tax advisor if you have any questions.

Traditional IRA

Save for retirement with pre-tax contributions.

Contributions to your IRA can reduce your taxable income, which can save you big at tax time every year. (Check with your tax advisor for full details.)

Grow your savings tax-free.

Your earnings will not be taxed until you make a withdrawal in retirement. Withdrawals are taxed as ordinary income.

Watch early withdrawal rules.

You can make withdrawals penalty-free after age 59 ½, or for qualified educational expenses, first-time home purchases, qualifying medical expenses, and more.

Roth IRA

Save for retirement after taxes.

Contributions to a Roth IRA are made after taxes, so they are not tax-deductible.

Make withdrawals – for the right reasons.

After five years, you will be able to make penalty-free with withdrawals if you are 59 ½ or older, or if funds are needed for certain medical expenses, disability, death, education expenses or first-time home purchases.

Grow your savings tax-free.

Your earnings on your savings will not be taxed until you make a withdrawal. Only the earnings – not the money you deposited – will be subject to tax.

Coverdell Education IRA

Save money tax-free for your child’s education.

You can put aside $2,000 per year per child.

Cover elementary, high school or college education expenses.

Your account can be used to pay for tuition, books or computer equipment for your children.

Contribute until children turn 18.

You can make contributions until your child turns 18. Funds must be withdrawn before he or she turns 30.

“I’ve have always received great service. They are always able to answer every question I have and provide me with the answers I’m looking for.”

Jessica
Alltru Member
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We’re in your neighborhood.

We are St. Louis, through and through. We have branches throughout the metro area. Plus, as a member you’ll have free access to hundreds of local ATMs.