FAQ

For 2025, the contribution limit for both is $7,000 per year or a cumulative total of $7,000 between both a Traditional IRA and Roth IRA per year. If you are 50 years old or older, you are able to contribute an additional $1,000 as a ‘catch up’ contribution. For tax year 2026, the contribution limits for Traditional and Roth IRAs are $7,500.00. The contribution limits are $8,600.00 if you are age 50 or older, or if your entire taxable compensation for the year is less than these limits.

Yes, you can have both a Traditional and Roth IRA. The maximum contribution for the year is cumulative. For 2025, the contribution limit is $7,000 per year or a cumulative total of $7,000 between a Traditional IRA and Roth IRA per year. If you are 50 years old or older, you are able to contribute an additional $1,000 as a ‘catch up’ contribution. For tax year 2026, the contribution limits for Traditional and Roth IRAs are $7,500.00. The contribution limits are $8,600.00 if you are age 50 or older, or if your entire taxable compensation for the year is less than these limits.

Please contact your other financial institution to verify your account information and confirm eligibility for external transfers. Once verified, delete the incorrect account in APCI eBanking under Make a Transfer > External Accounts and submit a new request with the updated details.

We offer Account-to-Account External Transfers to members who have loans with APCI FCU. This feature allows you to move money seamlessly between your APCI FCU accounts and accounts you own at other financial institutions.

• Use APCI eDeposit: deposit checks in an instant using your mobile device
• Access the ATM Network Locator Tools to locate the surcharge-free ATMs near you that accept deposits
• Mail your check deposit to PO Box 20147, Lehigh Valley, PA 18002-0147 (please do not mail cash)
• Make loan payments from other financial institutions with Account-to-Account (A2A) External Transfers