We're seeing a rise in spoofing calls using our number, with scammers pretending to be from our fraud/card services team. Remember - Essential will never call, text or email and ask for sensitive information like your card number, online banking credentials, PIN number, or one-time passcodes.
If something doesn't feel right, hang up and call us directly at 888-369-2207. Your security is our priority.
The Credit Union will be closed Monday, May 26 in observance of Memorial Day. See our Holiday Hours.
Our offices will be closed May 26, 2025 in observance of Memorial Day.
This site uses cookies to improve your browsing experience. By using the website, you consent to the use of cookies. To learn more about our commitment to protecting your personal information see our Website Privacy Policy Disclosure.
Choose from Traditional, Roth, Educational, or Share Savings IRA options
Essential has several IRA products to fit your retirement goals. Contact us to learn more or to check current rates.
Anyone with an earned income can contribute to a Traditional IRA. There is no age limit. Traditional IRAs offer the advantage of tax-deductibility and you may realize your tax savings up front by deducting the amount of your contribution each year from your federal income taxes, depending upon your income and whether you participate in an employer-sponsored retirement plan, such as a 401(k) plan.
Enjoy the tax benefits of an IRA with the flexibility of a savings account with Essential's IRA Share Savings Account.
Note: The information on this page is intended to be a reference for our members. It in no way should be taken as investment advice. Consult a tax professional on any tax implications concerning any investments.