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Most brokerage firms, mutual fund companies, banks, insurance companies, and credit unions offer Roth IRA accounts.

If you are looking for mutual funds, a mutual fund company is usually a good place to begin. An S&P Index fund at a company such as Vanguard is a good starting point.

Brokerage firms offer self directed IRAs in which you can own many mutual funds as well as stocks. A self directed IRA at a discount broker invested in Foolish Four or one of the other Foolish stock strategies is a reasonable approach. Usually mutual funds are a bit less costly. Brokerage accounts are more cost effective when you balance is somewhat larger--say $10K or more.

Read the Foolish information starting with Fool School from the fool.com home page and decide what is best for you. You can almost certainly do better than 4% in a credit union Roth.

Best of luck to you. If you have more questions, feel free to ask.
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