Planning for your retirement is one of the most challenging and rewarding financial decisions you’ll make along your path to financial freedom. Opening an Individual Retirement Account (IRA) is a crucial first step in planning for a secure financial future. With no administrative fees and the choice between a Variable Rate IRA or Fixed Rate IRA, we offer solutions that keep your goals in mind. United Heritage IRAs are insured separately up to $250,000 through the National Credit Union Share Insurance Fund (NCUSIF) and are managed by the National Credit Union Administration (NCUA), a U.S. government agency. Your plans for the future are personal and we believe your IRA should be too. Consult your tax advisor if you need help deciding which account works best for you.