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IRAs
The IRA Contribution limit is
  • $7,000 for 2024
  • $7,000 for 2025
The annual limit is increased by $1,000 if you are age 50 or older.
IRA contributions generally can be made during the following periods
  • For 2024: January 1,  2024, through April 15, 2025
  • For 2025: January 1,  2025, through April 15, 2025
ESAs
The ESA contribution limit is $2,000 per child per tax year.
Withdrawals used for qualified education expenses are tax-free.
ESA contribution generally can be made during following periods
  • For 2024: January 1,  2024, through April 15, 2025
  • For 2025: January 1,  2025, through April 15, 2025
HSAs
The HSA contribution limit is
  • For 2024: $4,150 for self-only coverage and $8,300  for family coverage
  • For 2025: $4,300 for self-only coverage and $8,550  for family coverage
The annual limit is increased by $1,000 if you are age 55 or older.
HSA contributions generally can be made during the following periods
  • For 2024: January 1,  2024, through April 15, 2025
  • For 2025: January 1,  2025, through April 15, 2025
You can make a prior -year contribution to your HSA until your federal income tax return due date (not including extensions).
Traditional/SEP IRAs
Employers make SEP contributions to Traditional IRAs (sometimes called “SEP IRAs”).
Contributions must be made by the employer’s tax return due date, including extensions.

Manage an Account From Home

It's never been easier to work with an existing account you have at our credit union. From the privacy of your home, you can quickly and accurately complete the necessary forms. Then simply follow our instructions to print, sign, and submit your completed forms.

To use this feature, you must be a member of PROVIDENT CREDIT UNION. Click here to learn how you can become a member today.

Contribute to an Existing Account
Select this option to add money to an existing account for any of the following reasons.

  • Make a regular contribution to an existing account
  • Move assets from one account to another through a direct transfer
  • Roll over assets from an IRA or an employer-sponsored retirement plan

Withdraw From an Existing Account

Select this option to withdraw money from an existing account for any of the following reasons.

  • Make a normal withdrawal from an existing account
  • Move money through a rollover or direct transfer
  • Withdraw a previous contribution
  • Withdraw if you are disabled
  • Settle a federal tax levy
  • Cancel a new IRA within 7 days of opening it

Roth IRA Conversions
Select this option to learn about changing a Traditional IRA to a Roth IRA.