If I am 60, will I be charged 10% for early withdraw IRA?

If you are past 59 1/2 there is not a 10% early withdrawal penalty.  But the money you take from your retirement fund will be taxable income.  In January you will receive a 1099R showing the distribution from your IRA and you will be required to enter it on your 2019 tax return.

Being over the age of 59 and 1/2 is the only exception you will ever need for ira distributions.

For more info see, 

See IRS publication 590B for IRA Distributions

https://www.irs.gov/pub/irs-pdf/p590b.pdf