Individual Retirement Accounts (IRAs)

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Earn 0.65% Annual Percentage Yield

You'll earn an amazing high rate on this Basic Savings account when you partner it with a Certificate!

Secure your financial future

It's never too early to start planning your retirement, and we make it easy with with multiple options: A Traditional or Roth IRA as a savings account or a Certificate. We also have an experienced Wealth Management team to help you put together a full retirement plan. Deposits are federally insured to at least $250,000 (Individual Retirement Accounts up to an additional $250,000) through the National Credit Union Administration.

Savings Account Rates

Traditional and Roth IRAs

No minimum deposit to open the account
$50 minimum balance to earn dividends (rate is variable)
No monthly service fee
Similar to a basic savings account, except there are restrictions on deposits and withdrawals
Contributions may be made by individual deposits or rolled over from another IRA

Traditional IRA

Contributions may be tax deductible*
Deposits grow tax-deferred until withdrawn
Withdrawals are taxed as income
Required Minimum Distribution starts at 70 ½

Roth IRA

Funded with post-tax income, so you don't have to pay income taxes* on the funds in the future
Deposits grow tax-free
Tax-free qualified withdrawals
No early withdrawal fee

Our Offers

Enjoy the same high rate whether you're a small saver or a big depositor.

This is one of many ways your credit union gives back to members.

Other financial institutions pay higher dividends for higher balances, but we want every saver to earn more.