What is the age I can withdraw without a penalty from my IRA?

You must be at least 59-1/2 to make a normal withdrawal from an IRA with no credit union penalty

If you are under 59-1/2 and are making an early withdrawal, there will be a credit union penalty and possibly a government penalty. If you are under 59-1/2 and making an early withdrawal and doing a direct transfer to another financial, there will be a credit union penalty and possibly a government penalty.