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220
221  <div class="header-chat">
222    <a target = "_blank" href="https://urldefense.com/v3/__https:/282974750.revation.com/widget/?rev-brand=282974750&rev-group=282974750&[email protected]__;!!P9vvK-4S!mfRrXYT0tGvLCKHHdSs_ogXB7e4ugdPl7vKfkoAv1kbk1DZXBCDowvRyWj4XvmEIFHjaEmrytg3AoIRv8w%24">
223      <div class="grow2">
224        <i class="fa-duotone fa-comments"></i>
225        <span>Chat with Us!</span>
226      </div> 
227    </a>
228  </div>
229
230  <div class="socialIcon-wrapper">
231    <div class="socialIcon">
232      <a target="_blank" href="https://www.facebook.com/UARKFederalCU"aria-label="Link to UARK FCU Facebook Page">
233        <img class="grow" src="https://static1.squarespace.com/static/ta/5b1848203917eee800010858/360/assets/smallfacebook.svg" alt="Facebook" />
234      </a>
235    </div>
236    <div class="socialIcon">
237      <a target="_blank" href="https://twitter.com/UARK_FCU"aria-label="Link to UARK FCU Twitter Page">
238        <img class="grow" src="https://static1.squarespace.com/static/ta/5b1848203917eee800010858/360/assets/twitter.svg" alt="Twitter" />
239      </a>
240    </div>
241    <div class="socialIcon">
242      <a target="_blank" href="https://www.instagram.com/uarkfcu3/"aria-label="Link to UARK FCU Instagram Page">
243        <img class="grow" src="https://static1.squarespace.com/static/ta/5b1848203917eee800010858/360/assets/small-instagram.svg" alt="Twitter" />
244      </a>
245    </div>
246  </div>
247</div>
248    </div>
249    <div class="Mobile" data-nc-base="mobile-bar" data-controller="AncillaryLayout">
250  <div class="Mobile-bar Mobile-bar--top" data-nc-group="top" data-controller="MobileOffset">
251
252    <div data-nc-container="top-left">
253      <a href="/" class="Mobile-bar-branding" data-nc-element="branding" data-content-field="site-title">
254        
255          
256            <img src="//images.squarespace-cdn.com/content/v1/5b1848203917eee800010858/a559d18b-114b-4c34-91f1-3eb059c82195/Uark+Federal+Credit+Union.jpg?format=1500w" alt="UARK Federal Credit Union" class="Mobile-bar-branding-logo" />
257          
258        
259      </a>
260    </div>
261    <div data-nc-container="top-center"></div>
262    <div data-nc-container="top-right"></div>
263  </div>
264  <div class="Mobile-bar Mobile-bar--bottom" data-nc-group="bottom" data-controller="MobileOffset">
265    <div data-nc-container="bottom-left">
266      <button class="Mobile-bar-menu" aria-label="Mobile Menu" data-nc-element="menu-icon" data-controller-overlay="menu" data-controller="MobileOverlayToggle">
267        <svg class="Icon Icon--hamburger" viewBox="0 0 24 18">
268          <use xlink:href="/assets/ui-icons.svg#hamburger-icon--even" class="use--even"></use>
269          <use xlink:href="/assets/ui-icons.svg#hamburger-icon--odd" class="use--odd"></use>
270        </svg>
271        <svg class="Icon Icon--hotdog" viewBox="0 0 24 14">
272          <use xlink:href="/assets/ui-icons.svg#hotdog-icon--even" class="use--even"></use>
273          <use xlink:href="/assets/ui-icons.svg#hotdog-icon--odd" class="use--odd"></use>
274        </svg>
275        <svg class="Icon Icon--plus" viewBox="0 0 20 20">
276          <use xlink:href="/assets/ui-icons.svg#plus-icon--even" class="use--even"></use>
277          <use xlink:href="/assets/ui-icons.svg#plus-icon--odd" class="use--odd"></use>
278        </svg>
279        <svg class="Icon Icon--dots-horizontal" viewBox="0 0 25 7">
280          <use xlink:href="/assets/ui-icons.svg#dots-horizontal-icon--even" class="use--even"></use>
281          <use xlink:href="/assets/ui-icons.svg#dots-horizontal-icon--odd" class="use--odd"></use>
282        </svg>
283        <svg class="Icon Icon--dots-vertical" viewBox="0 0 7 25">
284          <use xlink:href="/assets/ui-icons.svg#dots-vertical-icon--even" class="use--even"></use>
285          <use xlink:href="/assets/ui-icons.svg#dots-vertical-icon--odd" class="use--odd"></use>
286        </svg>
287        <svg class="Icon Icon--squares-horizontal" viewBox="0 0 25 7">
288          <use xlink:href="/assets/ui-icons.svg#squares-horizontal-icon--even" class="use--even"></use>
289          <use xlink:href="/assets/ui-icons.svg#squares-horizontal-icon--odd" class="use--odd"></use>
290        </svg>
291        <svg class="Icon Icon--squares-vertical" viewBox="0 0 7 25">
292          <use xlink:href="/assets/ui-icons.svg#squares-vertical-icon--even" class="use--even"></use>
293          <use xlink:href="/assets/ui-icons.svg#squares-vertical-icon--odd" class="use--odd"></use>
294        </svg>
295      </button>
296    </div>
297    <div data-nc-container="bottom-center">
298      
299    </div>
300    <div data-nc-container="bottom-right">
301      <a href="/search" class="Mobile-bar-search" data-nc-element="search-icon">
302        <svg class="Icon Icon--search" viewBox="0 0 20 20">
303          <use xlink:href="/assets/ui-icons.svg#search-icon"></use>
304        </svg>
305      </a>
306    </div>
307  </div>
308
309  <div class="Mobile-overlay">
310    <div class="Mobile-overlay-menu" data-controller="MobileOverlayFolders">
311      <div class="Mobile-overlay-menu-main">
312        <nav class="Mobile-overlay-nav Mobile-overlay-nav--primary" data-content-field="navigation">
313          
314        </nav>
315        <nav class="Mobile-overlay-nav Mobile-overlay-nav--secondary" data-content-field="navigation">
316          
317        </nav>
318      </div>
319      <div class="Mobile-overlay-folders" data-content-field="navigation">
320        
321        
322      </div>
323    </div>
324    <button class="Mobile-overlay-close" aria-label="Close Mobile Menu" data-controller="MobileOverlayToggle">
325      <svg class="Icon Icon--close" viewBox="0 0 16 16">
326        <use xlink:href="/assets/ui-icons.svg#close-icon"></use>
327      </svg>
328    </button>
329    <div class="Mobile-overlay-back" data-controller="MobileOverlayToggle"></div>
330  </div>
331</div>
332
333    <div class="Parallax-host-outer">
334      <div class="Parallax-host" data-parallax-host>
335        
336          
337            
338              
339              
340                
341              
342            
343          
344        
345      </div>
346    </div>
347
348    <div class="Site" data-nc-base="header" data-controller="AncillaryLayout">
349      <div class="sqs-announcement-bar-dropzone">
350
351        <!--div class="sqs-announcement-bar-custom-location">
352          <div class="sqs-announcement-bar">
353            <div class="sqs-announcement-bar-content">
354              <div class="sqs-announcement-bar-text">
355                <span class="sqs-announcement-bar-close" tabindex="0" role="button" aria-label="Close Announcement"></span>
356                <div id="announcement-bar-text-inner-id" class="sqs-announcement-bar-text-inner">
357                  <p class="custom-announcement-bar" data-rte-preserve-empty="true" style="white-space:pre-wrap;">Welcome to our new website!</p>
358                </div>
359              </div>
360            </div>
361          </div>
362        </div-->
363        
364      </div>
365
366      <header class="Header Header--top">
367        <div class="Header-inner Header-inner--top" data-nc-group="top">
368          <div data-nc-container="top-left">
369
370            <div class="Header-search" data-nc-element="search">
371              <form class="Header-search-form" action="/search" method="get">
372                <input class="Header-search-form-input" aria-label="Search Block" name="q" type="text" spellcheck="false" value="" autocomplete="off" placeholder="Search" />
373                <button class="Header-search-form-submit" aria-label="Search Button" type="submit" data-test="template-search">
374                  <svg class="Icon Icon--search--small" viewBox="0 0 15 15">
375                    <use xlink:href="/assets/ui-icons.svg#search-icon--small"></use>
376                  </svg>
377                  <svg class="Icon Icon--search" viewBox="0 0 20 20">
378                    <use xlink:href="/assets/ui-icons.svg#search-icon"></use>
379                  </svg>
380                </button>
381              </form>
382            </div>
383
384          </div>
385          <div data-nc-container="top-center">
386            
387              <div class="Header-social" data-nc-element="social">
388                
389  <nav class="SocialLinks" data-content-field="connected-accounts">
390    <div class="SocialLinks-inner">
391    <a href="https://www.facebook.com/UARKFederalCU" target="_blank" class="SocialLinks-link facebook-unauth" style="">
392        <div>
393          <svg class="SocialLinks-link-svg" viewBox="0 0 64 64">
394            
395            <use class="SocialLinks-link-icon" xlink:href="#facebook-unauth-icon"></use>
396            <use class="SocialLinks-link-mask" xlink:href="#facebook-unauth-mask"></use>
397          </svg>
398        </div>
399      </a><a href="https://www.instagram.com/uarkfederalcreditunion/" target="_blank" class="SocialLinks-link instagram-unauth" style="">
400        <div>
401          <svg class="SocialLinks-link-svg" viewBox="0 0 64 64">
402            
403            <use class="SocialLinks-link-icon" xlink:href="#instagram-unauth-icon"></use>
404            <use class="SocialLinks-link-mask" xlink:href="#instagram-unauth-mask"></use>
405          </svg>
406        </div>
407      </a><a href="https://x.com/UARK_FCU" target="_blank" class="SocialLinks-link x-formerly-twitter-unauth" style="">
408        <div>
409          <svg class="SocialLinks-link-svg" viewBox="0 0 64 64">
410            
411            <use class="SocialLinks-link-icon" xlink:href="#x-formerly-twitter-unauth-icon"></use>
412            <use class="SocialLinks-link-mask" xlink:href="#x-formerly-twitter-unauth-mask"></use>
413          </svg>
414        </div>
415      </a><a href="mailto:[email protected]" target="_blank" class="SocialLinks-link email" style="">
416        <div>
417          <svg class="SocialLinks-link-svg" viewBox="0 0 64 64">
418            
419            <use class="SocialLinks-link-icon" xlink:href="#email-icon"></use>
420            <use class="SocialLinks-link-mask" xlink:href="#email-mask"></use>
421          </svg>
422        </div>
423      </a>
424    </div>
425  </nav>
426
427              </div>
428            
429          </div>
430          <div data-nc-container="top-right">
431
432            
433
434          </div>
435        </div>
436      </header>
437
438      <div class="Site-inner">
439
440        <header class="Header Header--bottom">
441          <div class="Header-inner Header-inner--bottom" data-nc-group="bottom">
442          
443            <!--
444            <div align="center" class="socialMedia2 new-social-media">
445
446  <div class="header-chat">
447    <a target = "_blank" href="https://urldefense.com/v3/__https:/282974750.revation.com/widget/?rev-brand=282974750&rev-group=282974750&[email protected]__;!!P9vvK-4S!mfRrXYT0tGvLCKHHdSs_ogXB7e4ugdPl7vKfkoAv1kbk1DZXBCDowvRyWj4XvmEIFHjaEmrytg3AoIRv8w%24">
448      <div class="grow2">
449        <i class="fa-duotone fa-comments"></i>
450        <span>Chat with Us!</span>
451      </div> 
452    </a>
453  </div>
454
455  <div class="socialIcon-wrapper">
456    <div class="socialIcon">
457      <a target="_blank" href="https://www.facebook.com/UARKFederalCU"aria-label="Link to UARK FCU Facebook Page">
458        <img class="grow" src="https://static1.squarespace.com/static/ta/5b1848203917eee800010858/360/assets/smallfacebook.svg" alt="Facebook" />
459      </a>
460    </div>
461    <div class="socialIcon">
462      <a target="_blank" href="https://twitter.com/UARK_FCU"aria-label="Link to UARK FCU Twitter Page">
463        <img class="grow" src="https://static1.squarespace.com/static/ta/5b1848203917eee800010858/360/assets/twitter.svg" alt="Twitter" />
464      </a>
465    </div>
466    <div class="socialIcon">
467      <a target="_blank" href="https://www.instagram.com/uarkfcu3/"aria-label="Link to UARK FCU Instagram Page">
468        <img class="grow" src="https://static1.squarespace.com/static/ta/5b1848203917eee800010858/360/assets/small-instagram.svg" alt="Twitter" />
469      </a>
470    </div>
471  </div>
472</div>
473            -->
474
475            <div data-nc-container="bottom-left">
476              <nav class="Header-nav Header-nav--primary" data-nc-element="primary-nav" data-content-field="navigation">
477                
478  <div class="Header-nav-inner">
479    <span class="Header-nav-item Header-nav-item--folder">
480
481      <a href="/accounts-types" class="Header-nav-folder-title Header-nav-folder-title--active" data-controller="HeaderNavFolderTouch">Accounts</a>
482
483      <span class="Header-nav-folder">
484        
485          
486            <a href="/savings" class="Header-nav-folder-item" data-test="template-nav">Savings</a>
487          
488        
489          
490            <a href="/checking" class="Header-nav-folder-item" data-test="template-nav">Checking </a>
491          
492        
493          
494            <a href="/certificates" class="Header-nav-folder-item" data-test="template-nav">Certificates</a>
495          
496        
497          
498            <a href="/individual-retirement-account" class="Header-nav-folder-item Header-nav-folder-item--active" data-test="template-nav">Individual Retirement Account</a>
499          
500        
501      </span>
502    </span><span class="Header-nav-item Header-nav-item--folder">
503
504      <a href="/borrow" class="Header-nav-folder-title" data-controller="HeaderNavFolderTouch">Borrow</a>
505
506      <span class="Header-nav-folder">
507        
508          
509            <a href="/apply-for-a-loan" class="Header-nav-folder-item" data-test="template-nav">Apply For A Loan</a>
510          
511        
512          
513            <a href="/vehicle-loans" class="Header-nav-folder-item" data-test="template-nav">Auto Loans</a>
514          
515        
516          
517            <a href="/adventure-loans" class="Header-nav-folder-item" data-test="template-nav">Adventure Loans</a>
518          
519        
520          
521            
522              <a href="https://www.mycardapply.com/synindex/?ecdma-lc=37150&ecid=OTHE_25940&offertype=0" target="_blank" class="Header-nav-folder-item">Credit Cards</a>
523            
524          
525        
526          
527            <a href="/personal-loans" class="Header-nav-folder-item" data-test="template-nav">Personal Loans</a>
528          
529        
530          
531            
532              <a href="/real-estate-loans" class="Header-nav-folder-item">Home & Land Loans</a>
533            
534          
535        
536          
537            <a href="/student-loans" class="Header-nav-folder-item" data-test="template-nav">Student Loans</a>
538          
539        
540          
541            
542              <a href="/insurance" class="Header-nav-folder-item">GAP, Extended Warranty & Other Insurance</a>
543            
544          
545        
546      </span>
547    </span><span class="Header-nav-item Header-nav-item--folder">
548
549      <a href="/explore" class="Header-nav-folder-title" data-controller="HeaderNavFolderTouch">Explore</a>
550
551      <span class="Header-nav-folder">
552        
553          
554            
555              <a href="/who-we-are-1" class="Header-nav-folder-item">About Us</a>
556            
557          
558        
559          
560            
561              <a href="https://www.culiance.com/atmlocator/?charterNum=16946" target="_blank" class="Header-nav-folder-item">ATMs</a>
562            
563          
564        
565          
566            <a href="/uark-blog" class="Header-nav-folder-item" data-test="template-nav">Blog</a>
567          
568        
569          
570            
571              <a href="/calculators" class="Header-nav-folder-item">Calculators</a>
572            
573          
574        
575          
576            <a href="/community" class="Header-nav-folder-item" data-test="template-nav">Community</a>
577          
578        
579          
580            <a href="/digital-services" class="Header-nav-folder-item" data-test="template-nav">Digital Services</a>
581          
582        
583          
584            <a href="/financial-counseling" class="Header-nav-folder-item" data-test="template-nav">Financial Counseling</a>
585          
586        
587          
588            
589              <a href="https://images.printable.com/nonimpositions/22712/501363/22712_501363_ik2p0nao_press.html" target="_blank" class="Header-nav-folder-item">Financial Literacy</a>
590            
591          
592        
593          
594            
595              <a href="/forms-applications" class="Header-nav-folder-item">Forms & Disclosures</a>
596            
597          
598        
599          
600            <a href="/fraud-alerts" class="Header-nav-folder-item" data-test="template-nav">Fraud Alerts & Awareness</a>
601          
602        
603          
604            <a href="/genz" class="Header-nav-folder-item" data-test="template-nav">Money Basics for Gen Z</a>
605          
606        
607          
608            <a href="/latest-news" class="Header-nav-folder-item" data-test="template-nav">Newsletters</a>
609          
610        
611          
612            <a href="/other-services1" class="Header-nav-folder-item" data-test="template-nav">Other Services</a>
613          
614        
615          
616            <a href="/rates" class="Header-nav-folder-item" data-test="template-nav">Rates</a>
617          
618        
619          
620            <a href="/repossessions-foreclosures" class="Header-nav-folder-item" data-test="template-nav">Repossessions & Foreclosures</a>
621          
622        
623          
624            <a href="/trust-and-will" class="Header-nav-folder-item" data-test="template-nav">Trust & Will</a>
625          
626        
627      </span>
628    </span><span class="Header-nav-item Header-nav-item--folder">
629
630      <a href="/specials-1" class="Header-nav-folder-title" data-controller="HeaderNavFolderTouch">Specials</a>
631
632      <span class="Header-nav-folder">
633        
634          
635            
636              <a href="https://www.uarkfcu.com/specials#loans" class="Header-nav-folder-item">Loans</a>
637            
638          
639        
640          
641            
642              <a href="https://www.uarkfcu.com/specials#savings" class="Header-nav-folder-item">Savings</a>
643            
644          
645        
646      </span>
647    </span><a href="https://282974750.revation.com/widget/?rev-brand=282974750&rev-dst-pid=questions%40uarkfcu.com&rev-group=282974750" class="Header-nav-item">Chat With Us</a>
648  </div>
649
650              </nav>
651            </div>
652            <div data-nc-container="bottom-center">
653
654              <a href="/" class="Header-branding" data-nc-element="branding" data-content-field="site-title">
655                
656                  
657                    <img src="//images.squarespace-cdn.com/content/v1/5b1848203917eee800010858/a559d18b-114b-4c34-91f1-3eb059c82195/Uark+Federal+Credit+Union.jpg?format=1500w" alt="UARK Federal Credit Union" class="Header-branding-logo" />
658                  
659                
660              </a>
661              
662
663            </div>
664            <div data-nc-container="bottom-right">
665
666              <nav class="Header-nav Header-nav--secondary" data-nc-element="secondary-nav" data-content-field="navigation">
667                
668              </nav>
669
670            </div>
671          </div>
672        </header>
673
674        
675          
676<div class="login-refresh" id="loginForm" 
677data-aos="fade-left" 
678data-aos-easing="ease-out" 
679data-aos-duration="800">
680  <div class="refresh-login-form-holder" style="display: flex; justify-content: center; align-items: center;">
681    <div class="login-form">
682      <div class="login-head">
683        <span>Login</span>
684      </div>
685      <form method="post" action="https://online.uarkfcu.com/auth/TetheredSignIn/Index">
686        <div class="input-wrapper">
687          <label>Username</label>
688          <input type="text" name="UserName" aria-label="Enter Username" />
689        </div>
690        <div class="input-wrapper wrapper2">
691          <label>Password</label>
692          <input type="password" name="Password" aria-label="Enter Password" />
693        </div>
694        <input class="button" type="submit" name="submit" value="Submit" />
695        <div style="display: flex; justify-content: space-between; width: 100%;">
696          <a href="https://online.uarkfcu.com/auth/Enrollment" class="enroll-me">Enroll</a>
697          <a href="https://online.uarkfcu.com/auth/ForgottenPassword?hasSecureNow=True" class="enroll-me">Forgot Password</a>
698        </div>
699      </form>
700      <hr>
701      <div class="refresh-social-media-container">
702        <a href="https://www.facebook.com/UARKFederalCU" target="_blank" class="social-media-link">
703          <i class="fa-brands fa-facebook-f"><span class="sr-only">Visit our Facebook page</span></i>
704        </a>
705        <a href="https://twitter.com/UARK_FCU" target="_blank" class="social-media-link">
706          <i class="fa-brands fa-twitter"><span class="sr-only">Visit our Twitter page</span></i>
707        </a>
708        <a href="https://www.instagram.com/uarkfcu3/" target="_blank" class="social-media-link">
709          <i class="fa-brands fa-instagram"><span class="sr-only">Visit our Instagram page</span></i>
710        </a>
711      </div>
712    </div>
713    <div class="online-banking-title">
714      <div class="online-banking-title-inner">
715       <i class="fa-solid fa-right-to-bracket"></i><span>Online Banking</span>
716      </div>
717    </div>
718  </div>
719</div>
720<div id="sideSecondaryNav">
721  
722  <nav class="Footer-nav" data-content-field="navigation">
723
724    <div class="Footer-nav-group">
725        
726            <p class="footerNavLink">
727                <a href="/apply-for-a-loan" class="Footer-nav-item"><div class="loginNavButton"><i class="fa-solid fa-hand-holding-dollar"></i><span class="navItemText">Get a Loan</span></div></a>
728            </p>
729        
730        
731            <p class="footerNavLink">
732                <a href="/payment" class="Footer-nav-item"><div class="loginNavButton"><i class="fa-solid fa-file-invoice-dollar"></i><span class="navItemText">Make A Payment</span></div></a>
733            </p>
734        
735        
736            <p class="footerNavLink">
737                <a href="/join-us" class="Footer-nav-item"><div class="loginNavButton"><i class="fa-solid fa-file-lines"></i> <span class="navItemText">Join Us</span></div></a>
738            </p>
739        
740        
741            <p class="footerNavLink">
742                <a href="/emplyment-opportunities" class="Footer-nav-item"><div class="loginNavButton"><i class="fa-solid fa-user-tie"></i> <span class="navItemText">Careers</span></div></a>
743            </p>
744        
745        
746            <p class="footerNavLink">
747                <a href="https://uarkfcu.groovecar.com" class="Footer-nav-item"><div class="loginNavButton"><i class="fa-solid fa-car"></i> <span class="navItemText">Car Shopping</span></div></a>
748            </p>
749        
750    </div>
751
752  </nav>
753
754</div>
755
756
757
758       
759        <div class="Content-outer">
760          
761            
762              
763                
764                  
765                
766              
767            
768          
769
770          <main class="Main Main--page" >
771            
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913    <!-- IRA PAGE | UARK FCU -->
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1059</style>
1060
1061<div class="uark-ira-page">
1062
1063  <div class="uark-ira-hero">
1064    <h1>IRA Savings</h1>
1065    <p>
1066      Prepare for retirement with Traditional and Roth IRA options designed to help you make the most of your future.
1067    </p>
1068
1069    <div class="uark-btn-row">
1070      <a href="/contact-us" class="uark-btn">Contact Us</a>
1071     
1072    </div>
1073  </div>
1074
1075  <div class="uark-section">
1076    <h2>
1076Plan for Retirement with Confidence</h2>
1077    <p>
1078      Opening a Traditional or Roth IRA is a great way to prepare for retirement.
1079      Whether you’re just starting your career or plan to retire soon, UARK FCU can help you
1080      make the most of your retirement goals with an IRA option that fits your needs.
1081    </p>
1082
1083    <div class="uark-note">
1084      <strong>Retirement planning does not have to feel overwhelming.</strong>
1085      We’re here to help you understand your options and choose the account that works for your goals.
1086    </div>
1087  </div>
1088
1089  <div class="uark-section">
1090    <h2>IRA Options</h2>
1091
1092    <div class="uark-grid">
1093      <div class="uark-card">
1094        <h3>Traditional IRA</h3>
1095        <p>
1096          A Traditional IRA is a tax-deferred retirement savings account funded with before-tax earnings.
1097          This may allow you to save money on taxes while funding the account during your working years,
1098          then pay taxes on withdrawals after retirement.
1099        </p>
1100      </div>
1101
1102      <div class="uark-card">
1103        <h3>Roth IRA</h3>
1104        <p>
1105          A Roth IRA is funded with after-tax earnings. Since taxes have already been paid on the money
1106          used to fund the account, qualified withdrawals after retirement are generally not taxed.
1107        </p>
1108      </div>
1109    </div>
1110  </div>
1111
1112  <div class="uark-section">
1113    <h2>Traditional vs. Roth IRA</h2>
1114
1115    <div class="uark-grid">
1116      <div class="uark-card">
1117        <h3>Traditional IRA</h3>
1118        <ul class="uark-list">
1119          <li>No income limits to open</li>
1120          <li>No minimum contribution in any year, allowing flexibility</li>
1121          <li>Contributions may be tax-deductible on state and federal income tax<sup>1</sup></li>
1122          <li>Withdrawals can begin at age 59½</li>
1123          <li>Early withdrawals may be subject to penalty<sup>2</sup></li>
1124          <li>Mandatory withdrawals begin at age 73</li>
1125          <li>Earnings accumulate tax-deferred until distribution</li>
1126          <li>Federally insured by NCUA<sup>3</sup></li>
1127        </ul>
1128      </div>
1129
1130      <div class="uark-card">
1131        <h3>Roth IRA</h3>
1132        <ul class="uark-list">
1133          <li>Income limits apply to be eligible to open a Roth IRA</li>
1134          <li>Contributions are not tax-deductible</li>
1135          <li>Principal contributions can be withdrawn without penalty<sup>1</sup></li>
1136          <li>Withdrawals on interest can begin at age 59½</li>
1137          <li>Early withdrawals on interest may be subject to penalty<sup>2</sup></li>
1138          <li>No mandatory distribution age</li>
1139          <li>No age limit on making contributions as long as you have earned income</li>
1140          <li>Federally insured by NCUA<sup>3</sup></li>
1141        </ul>
1142      </div>
1143    </div>
1144  </div>
1145  <!-- RATE TABLE -->
1146<div class="section">
1147 
1148
1149  <table class="rate-table">
1150    <thead>
1151      <tr>
1152        <th>Traditional & ROTH </th>
1153        <th>Dividend Rate</th>
1154        <th>APY*</th>
1155        <th>Minimum Deposit</th>
1156      </tr>
1157    </thead>
1158    <tbody>
1159      <tr><td>Savings</td><td>.25%</td><td>.25%</td><td>$5</td></tr>
1160      </td></tr>
1161    </tbody>
1162  </table>
1163<!-- RATE TABLE -->
1164<div class="section">
1165 
1166
1167  <table class="rate-table">
1168    <thead>
1169      <tr>
1170        <th>Term</th>
1171        <th>Dividend Rate</th>
1172        <th>APY*</th>
1173        <th>Minimum Deposit</th>
1174      </tr>
1175    </thead>
1176    <tbody>
1177      <tr><td>6 Months</td><td>2.75%</td><td>2.78%</td><td>$500</td></tr>
1178     
1179      <tr><td>12 Months</td><td>3.00%</td><td>3.04%</td><td>$500</td></tr>
1180      <tr><td>18 Months</td><td>3.00%</td><td>3.04%</td><td>$500</td></tr>
1181      <tr><td>24 Months</td><td>3.00%</td><td>3.04%</td><td>$500</td></tr>
1182      <tr><td>30 Months</td><td>3.00%</td><td>3.04%</td><td>$500</td></tr>
1183      <tr><td>36 Months</td><td>3.00%</td><td>3.04%</td><td>$500</td></tr>
1184    </tbody>
1185  </table>
1186  <div class="uark-section">
1187    <div class="uark-highlight">
1188      <h2>Ready to Start Planning?</h2>
1189      <p>Contact UARK FCU to learn more about Traditional and Roth IRA options.</p>
1190
1191      <div class="uark-btn-row">
1192        <a href="/contact-us" class="uark-btn">Contact Us</a>
1193       
1194      </div>
1195    </div>
1196  </div>
1197
1198  <div class="uark-section uark-small">
1199    <p>
1200      <sup>1</sup> See your tax advisor for details.
1201    </p>
1202    <p>
1203      <sup>2</sup> Certain exclusions may apply, such as health care, purchasing a home, etc.
1204      Consult your tax advisor for details.
1205    </p>
1206    <p>
1207      <sup>3</sup> Your savings are federally insured to at least $250,000 and backed by the full faith
1208      and credit of the United States Government by the National Credit Union Administration (NCUA),
1209      an agency of the federal government.
1210      <div> Rates effective February 19, 2026. Current as of August 18, 2026. Rates are subject to change without notice. <div>
1211    </p>
1212  </div>
1213
1214</div>
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1323      #block-563c21fa19b7e893fe6d .sqs-svg-icon--list:hover .sqs-svg-icon--wrapper:hover .sqs-use--mask {
1324        fill: var(--si-fill-mask-hover, var(--si-fill-mask, transparent));
1325      }
1326    </style>
1327    <nav class="sqs-svg-icon--list">
1328      
1329        
1330          <a
1331            href="https://www.facebook.com/UARKFederalCU"
1332            target="_blank"
1333            class="sqs-svg-icon--wrapper facebook-unauth"
1334            aria-label="Facebook"
1335          >
1336            <div>
1337              <svg class="sqs-svg-icon--social" viewBox="0 0 64 64">
1338                <use class="sqs-use--icon" xlink:href="/universal/svg/social-accounts.svg#facebook-unauth-icon"></use>
1339                <use class="sqs-use--mask" xlink:href="/universal/svg/social-accounts.svg#facebook-unauth-mask"></use>
1340              </svg>
1341            </div>
1342          </a>
1343        
1344      
1345        
1346          <a
1347            href="https://www.instagram.com/uarkfederalcreditunion/"
1348            target="_blank"
1349            class="sqs-svg-icon--wrapper instagram-unauth"
1350            aria-label="Instagram"
1351          >
1352            <div>
1353              <svg class="sqs-svg-icon--social" viewBox="0 0 64 64">
1354                <use class="sqs-use--icon" xlink:href="/universal/svg/social-accounts.svg#instagram-unauth-icon"></use>
1355                <use class="sqs-use--mask" xlink:href="/universal/svg/social-accounts.svg#instagram-unauth-mask"></use>
1356              </svg>
1357            </div>
1358          </a>
1359        
1360      
1361        
1362          <a
1363            href="https://x.com/UARK_FCU"
1364            target="_blank"
1365            class="sqs-svg-icon--wrapper x-formerly-twitter-unauth"
1366            aria-label="X"
1367          >
1368            <div>
1369              <svg class="sqs-svg-icon--social" viewBox="0 0 64 64">
1370                <use class="sqs-use--icon" xlink:href="/universal/svg/social-accounts.svg#x-formerly-twitter-unauth-icon"></use>
1371                <use class="sqs-use--mask" xlink:href="/universal/svg/social-accounts.svg#x-formerly-twitter-unauth-mask"></use>
1372              </svg>
1373            </div>
1374          </a>
1375        
1376      
1377        
1378      
1379        
1380      
1381        
1382          <a
1383            href="mailto:[email protected]"
1384            target="_blank"
1385            class="sqs-svg-icon--wrapper email"
1386            aria-label="[email protected]"
1387          >
1388            <div>
1389              <svg class="sqs-svg-icon--social" viewBox="0 0 64 64">
1390                <use class="sqs-use--icon" xlink:href="/universal/svg/social-accounts.svg#email-icon"></use>
1391                <use class="sqs-use--mask" xlink:href="/universal/svg/social-accounts.svg#email-mask"></use>
1392              </svg>
1393            </div>
1394          </a>
1395        
1396      
1397        
1398      
1399        
1400      
1401        
1402      
1403        
1404      
1405        
1406      
1407        
1408      
1409        
1410      
1411        
1412      
1413    </nav>
1414  </div>
1415  
1416    
1417<style id="container-styles">#block-563c21fa19b7e893fe6d {
1418    
1419    
1420    
1421  }
1422
1423  #block-563c21fa19b7e893fe6d .sqs-block-socialaccountlinks-content {
1424    
1425    }
1426
1427  #block-563c21fa19b7e893fe6d {
1428      mix-blend-mode: var(--tweak-social-links-block-blend);
1429      border-radius: var(--tweak-social-links-block-radius);
1430  }
1431
1432  
1433  
1434
1435
1436
1437  
1438  
1439
1440  
1441</style>
1442
1443<style id="override-container-styles">
1444    @media screen and (max-width: 767px) {
1445          
1446            
1447
1448#block-563c21fa19b7e893fe6d {
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1452    
1453  
1454    @media screen and (max-width: 767px) {
1455          #block-563c21fa19b7e893fe6d .sqs-block-socialaccountlinks-content {
1456            
1457            }
1458        }
1459    
1460  @media screen and (max-width: 767px) {
1461          
1462          
1463
1464          
1465          
1466          
1467        }</style>
1468
1469    <style class="transform-overrides-vars">
1470  
1471</style>
1472
1473    
1474
1475
1476
1477  
1478</div>
1479</div></div></div><div class="col sqs-col-3 span-3"><div class="sqs-block website-component-block sqs-block-website-component sqs-block-spacer spacer-block" data-block-css="[&quot;https://definitions.sqspcdn.com/website-component-definition/static-assets/website.components.spacer/ef9a67
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1480              </section>
1481            
1482          </main>
1483
1484        </div>
1485      </div>
1486
1487      <footer class="Footer" role="contentinfo" data-controller="FooterBreakpoints">
1488    <div class="insideFooter footerTop">
1489
1490        <img class="footerBG" src="../assets/city.jpg" alt="">
1491        <div class="footerRow rowOne">
1492            <div class="footerCol smallCol colOne">
1493                
1494                    
1495                        <img src="//images.squarespace-cdn.com/content/v1/5b1848203917eee800010858/a559d18b-114b-4c34-91f1-3eb059c82195/Uark+Federal+Credit+Union.jpg?format=1500w" alt="UARK Federal Credit Union" class="footerLogo" />
1496                    
1497                
1498                <div class="routing">
1499                    <p><strong>Routing # 282974750</strong></p>
1500                    <p><strong>NMLS # 415579</strong></p>
1501                </div>
1502            </div>
1503            <div class="footerCol smallCol colTwo contactLinks">
1504                <h3>Contact Us</h3>
1505                <p><strong>Main Location - Van Asche</strong><br>
1506                Call or Text <a href="tel:1-479-521-1199">(479) 521-1199</a></p>
1507                <p><strong>Hill Location</strong><br>
1508                Call or Text <a href="tel:1-479-313-8999">(479) 313-8999</a></p>
1509                <p><strong>UAMS Location</strong><br>
1510                Call or Text <a href="tel:1-501-686-6419">(501) 686-6419</a></p>
1511            </div>
1512            <div class="footerCol smallCol colThree">
1513                <h3>Connect</h3>
1514                
1515  <nav class="SocialLinks" data-content-field="connected-accounts">
1516    <div class="SocialLinks-inner">
1517    <a href="https://www.facebook.com/UARKFederalCU" target="_blank" class="SocialLinks-link facebook-unauth" style="">
1518        <div>
1519          <svg class="SocialLinks-link-svg" viewBox="0 0 64 64">
1520            
1521            <use class="SocialLinks-link-icon" xlink:href="#facebook-unauth-icon"></use>
1522            <use class="SocialLinks-link-mask" xlink:href="#facebook-unauth-mask"></use>
1523          </svg>
1524        </div>
1525      </a><a href="https://www.instagram.com/uarkfederalcreditunion/" target="_blank" class="SocialLinks-link instagram-unauth" style="">
1526        <div>
1527          <svg class="SocialLinks-link-svg" viewBox="0 0 64 64">
1528            
1529            <use class="SocialLinks-link-icon" xlink:href="#instagram-unauth-icon"></use>
1530            <use class="SocialLinks-link-mask" xlink:href="#instagram-unauth-mask"></use>
1531          </svg>
1532        </div>
1533      </a><a href="https://x.com/UARK_FCU" target="_blank" class="SocialLinks-link x-formerly-twitter-unauth" style="">
1534        <div>
1535          <svg class="SocialLinks-link-svg" viewBox="0 0 64 64">
1536            
1537            <use class="SocialLinks-link-icon" xlink:href="#x-formerly-twitter-unauth-icon"></use>
1538            <use class="SocialLinks-link-mask" xlink:href="#x-formerly-twitter-unauth-mask"></use>
1539          </svg>
1540        </div>
1541      </a><a href="mailto:[email protected]" target="_blank" class="SocialLinks-link email" style="">
1542        <div>
1543          <svg class="SocialLinks-link-svg" viewBox="0 0 64 64">
1544            
1545            <use class="SocialLinks-link-icon" xlink:href="#email-icon"></use>
1546            <use class="SocialLinks-link-mask" xlink:href="#email-mask"></use>
1547          </svg>
1548        </div>
1549      </a>
1550    </div>
1551  </nav>
1552
1553            </div>
1554            <div class="footerCol smallCol colThree">
1555                <h3>Quick Links</h3>
1556                <div class="sqs-layout sqs-grid-12 columns-12" data-type="block-field" data-updated-on="1784835767342" id="footerContact">
1556<div class="row sqs-row"><div class="col sqs-col-12 span-12"><div class="sqs-block html-block sqs-block-html" data-block-type="2" data-border-radii="&#123;&quot;topLeft&quot;:&#123;&quot;unit&quot;:&quot;px&quot;,&quot;value&quot;:0.0&#125;,&quot;topRight&quot;:&#123;&quot;unit&quot;:&quot;px&quot;,&quot;value&quot;:0.0&#125;,&quot;bottomLeft&quot;:&#123;&quot;unit&quot;:&quot;px&quot;,&quot;value&quot;:0.0&#125;,&quot;bottomRight&quot;:&#123;&quot;unit&quot;:&quot;px&quot;,&quot;value&quot;:0.0&#125;&#125;" data-sqsp-block="text" id="block-1b1e286c62c08af6080d"><div class="sqs-block-content">
1557
1558<div class="sqs-html-content" data-sqsp-text-block-content>
1559  <p class="" style="white-space:pre-wrap;"><a href="https://uarkfcu.originate.fiservapps.com/Rpc0wmKhO-070tq" target="_blank">Get a Loan</a></p><p class="" style="white-space:pre-wrap;"><a href="/payment">Make a Payment</a></p><p class="" style="white-space:pre-wrap;"><a href="/contact-us">Find Us</a></p><p class="" style="white-space:pre-wrap;"><a href="/emplyment-opportunities">Careers</a></p><p class="" style="white-space:pre-wrap;"><a href="/forms-applications">Forms</a></p>
1560</div>
1561
1562
1563
1564
1565
1566
1567
1568
1569
1570
1571
1572
1573
1574
1575
1576
1577
1578
1579
1580
1581  
1582  
1583
1584
1585
1586</div></div></div></div></div>
1587            </div>
1588        </div>
1589
1590    </div>
1591    <div class="insideFooter footerBottom">
1592        <div class="footerRow rowTwo">
1593            <div class="footerCol medCol colOne">
1594                
1595  <nav class="Footer-nav" data-content-field="navigation">
1596
1597    <div class="Footer-nav-group">
1598        
1599            <p class="footerNavLink">
1600                <a href="http://www.consumer.ftc.gov/articles/0031-protecting-your-childs-privacy-online" target="_blank" class="Footer-nav-item">COPPA Disclosure</a>
1601            </p>
1602        
1603        <p class="footerNavLink">
1604            <a href="/site-map" class="Footer-nav-item">Site Map</a>
1605        </p>
1606        
1607        
1608        
1609            <p class="footerNavLink">
1610                <a href="/forms-applications" class="Footer-nav-item">Forms & Disclosures</a>
1611            </p>
1612        
1613        
1614            <p class="footerNavLink">
1615                <a href="/s/priv-statement.pdf" target="_blank" class="Footer-nav-item">Privacy Policy</a>
1616            </p>
1617        
1618        
1619            <p class="footerNavLink">
1620                <a href="/s/uark_accessibilitystatement.pdf" target="_blank" class="Footer-nav-item">Accessibility Statement</a>
1621            </p>
1622        
1623    </div>
1624
1625  </nav>
1626
1627                
1628                    <p class="footerP" style="white-space:pre-wrap;">*APR = Annual Percentage Rate. Rate based on creditworthiness and term of loan.<br>**APY = Annual Percentage Yield. Rates are subject to change at any time and are not guaranteed.<br>We provide links to third party partners, independent from UARK Federal Credit Union. These links are provided only as a convenience. We do not manage the content of those sites. The privacy and security policies of external websites will differ from those of UARK Federal Credit Union.</p>
1629                
1630            </div>
1631            <div class="footerCol smallCol colTwo">
1632                <div class="footerIcons">
1633                    <div class="footerIcon footerIcon1">
1634                        <a class="lift" href="https://www.ncua.gov" target="_blank">
1635                            <img src="https://static1.squarespace.com/static/ta/5b1848203917eee800010858/463/assets/ncuaWhite.svg" alt="Federally insured by NCUA">
1636                        </a>
1637                    </div>
1638                    <div class="footerIcon footerIcon2">
1639                        <a class="lift" href="http://hud.gov/" target="_blank">
1640                            <img src="https://static1.squarespace.com/static/ta/5b1848203917eee800010858/463/assets/ehlWhite.svg" alt="Equal Housing Lender">
1641                        </a>
1642                    </div>
1643                    <a class = "oc-sigLink" target="_blank" href="https://www.omnicommander.com/">
1644      <div class = "flexSig">
1645        <div class = "power">
1646          <p class = "oc-sig-header">Powered By:&nbsp;</p>
1647        </div>
1648        <div class = "ocLink">
1649          <strong>OMNICOMM</strong>
1650        </div>
1651        <div class = "theStar">
1652            <svg xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink" version="1.1" id="Capa_1" x="0px" y="0px"  viewB
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1654                <g id="star-rate" class = "lines" stroke="none" stroke-width="1" fill="#ffffff">
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1680              <g>
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1684              <g>
1685              </g>
1686              <g>
1687              </g>
1688              </svg>
1689          </div>
1690          <div class = "ocLink">
1691            <strong>NDER</strong>
1692          </div>
1693     
1694   </div>
1695  </a>
1696                </div>
1697            </div>
1698        </div>
1699    </div>
1700</footer>
1701      <div class="chat-button-holder">
1702  <div class="sqs-layout sqs-grid-12 columns-12 empty" data-layout-label="Chat Block" data-type="block-field" id="chatButton"><div class="row sqs-row"><div class="col sqs-col-12 span-12"></div></div></div>
1703</div>
1704
1705
1706    </div>
1707
1708    
1708<script src="https://static1.squarespace.com/static/ta/5b1848203917eee800010858/633/scripts/site-bundle.js" type="text/javascript"></script>
1708
1709    
1709<script src="https://static1.squarespace.com/static/ta/5b1848203917eee800010858/633/scripts/modalInit.js" type="text/javascript"></script>
1709
1710    
1710<script src="https://static1.squarespace.com/static/ta/5b1848203917eee800010858/633/scripts/autoSpeedBump.js" type="text/javascript"></script>
1710
1711    
1711<script src="https://static1.squarespace.com/static/ta/5b1848203917eee800010858/633/scripts/modal.js" type="text/javascript"></script>
1711
1712    
1712<script src="https://static1.squarespace.com/static/ta/5b1848203917eee800010858/633/scripts/sticky-login-nav.js" type="text/javascript"></script>
1712
1713    <!--squarespace:script src = "refresh.js" combo = "false"-->
1714
1715
1716    
1716<script>
1717$( document ).ready(function(){
1718  $('.Header-nav-item--folder').attr('tabindex', '0');
1719   $('.Header-nav-item--folder').on('focus', function(e){
1720     console.log('Item In Focus');
1721   $('.Header-nav-item--folder').removeClass('active');
1722   $(this).addClass('active');  
1723 });
1724   $('.Header-nav-item--folder').hover(   
1725     function () {
1726        $(this).children(':first').addClass('active');
1727     }, 
1728     function () {
1729        $(this).children(':first').removeClass('active');
1730     }
1731   );
1732   
1733   
1734   //testing
1735   
1736   
1737   
1738   
1739     $('.Header-nav-item--folder').focus(   
1740     function () {
1741        $('.Header-nav-foler').addClass('active');
1742     }, 
1743     function () {
1744        $(this).children(':first').removeClass('active').show();
1745     }
1746   );
1747   
1748   
1749   
1750   
1751   
1752   
1753   
1754   /*
1755   
1756   
1757     $('.Header-nav-item--folder').focus(   
1758     function () {
1759        $(this).children('.Header-nav-folder-title').addClass('active').show();
1760     }, 
1761     function () {
1762        $(this).children(':first').removeClass('active').show();
1763     }
1764   );
1765   
1766   */
1767 });
1768
1769</script>
vendor: 1 bytes, line 1769
1769
1770<script>
1771$( document ).ready(function(){
1772  $('.adaimages').attr('alt', '');
1773  $('.Header-nav-item--folder').attr('role', 'list');
1774  $('.modal-close').attr('aria-label', 'Close Button');
1775  $('#ctas > div:nth-child(1) > div > div > a > img').attr('alt', 'Rates');
1776  $('#ctas > div:nth-child(2) > div > div > a > img').attr('alt', 'Accounts');
1777  $('#ctas > div:nth-child(3) > div > div > a > img').attr('alt', 'Online Banking');
1778  $('#ctas > div:nth-child(4) > div > div > a > img').attr('alt', 'Easy Card');
1779  $('#ctas > div:nth-child(5) > div > div > a > img').attr('alt', 'ATM Locator');
1780});
1781</script>
vendor: 1 bytes, line 1781
1781
1782<script>
1783$( document ).ready(function() {
1784$('.external').attr('onclick','focusMethod()');
1785});
1786focusMethod = function getFocus() {          
1787document.getElementById("omnipop1").focus();
1788};
1789$(".Header-nav-item").focus(function(){
1790	$(this).addClass('active');
1791});
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