Coverdell Savings Account: an opporutnity for parents and
grandparents to save for their children's or grandchildren's education.

• Money can be transferred from one child to another in the same family
• Contributions can be made untiil the child reaches age 18
• Money withdrawn must be used for education expenses for the designated child before age 30. Exceptions may apply.

CVFCU charges no maintenance fees for IRAs.