IRA ACCOUNTHOLDERS:  Withholding Notice: Payments from your IRA are subject to federal income tax withholding, unless you elect no withholding.  You may change your withholding election at any time prior to your receipt of a payment.  To change your withholding election, compete the appropriate from provided by your credit union.  Withholding from IRA payments, when combined with other withholding, MAY relieve your from payment of estimated income taxes.  However, your withholding election does not affect the amount of income tax you pay.  You may incur penalties under the estimated tax rules if your withholding and estimated tax payments are insufficient.