IRAs
Plan for the future with guidance.
Start writing your bucket list now
It’s never too late (or too soon) to plan your future with tax-advantaged savings.
Retirement planning with passionate support
Get confident about retirement with our supportive options.
Tax advantages
Take your savings further with powerful tax advantages (tax-deferred or tax-free growth).
Better-than-savings rates
Earn competitive dividends above standard savings rates.
Flexible options
Choose the right fit for your story with Traditional and Roth IRA options.
Catch-up contributions
For members ages 50 and over, an additional $1,000 “catch up” contribution is allowed to help champion your savings goals.
Get today’s best rate
|
Term |
Minimum Opening Deposit |
APY |
|---|---|---|
|
As required by federal regulations, there is a substantial penalty for early withdrawals. 3 month, 6 month, and 12 month certificates, including IRAs, are subject to a loss of 30 days interest, whether earned or not. 18 month, 24 month, and 30 month certificates, including IRAs are subject to a loss of 90 days interest, whether earned or not. IRS regulations require deposits remain in an IRA until the age of 59 1/2 or there is a substantial tax penalty imposed for early withdrawal. ALL DEPOSITS ARE FEDERALLY INSURED UP TO AT LEAST $250,000.00 BY THE NCUA. |
||
|
Term 6 Month |
Minimum Opening Deposit $1,000 |
APY 0.15% |
|
Term 12 Month |
Minimum Opening Deposit $1,000 |
APY 0.35% |
|
Term 18 Month |
Minimum Opening Deposit $1,000 |
APY 0.40% |
|
Term 24 Month |
Minimum Opening Deposit $1,000 |
APY 0.50% |
|
Term 30 Month |
Minimum Opening Deposit $1,000 |
APY 0.60% |
|
Term 36 Month |
Minimum Opening Deposit $1,000 |
APY 0.70% |
|
Term 48 Month |
Minimum Opening Deposit $1,000 |
APY 0.75% |
|
Term IRA Share Account |
Minimum Opening Deposit $500 |
APY 0.25% |
Guidance to get you started
We make planning for years ahead simple and easy to understand.
Key details
- $500 minimum deposit to open
- No setup fees
- $10 annual maintenance fee applies (see fee schedule for details)
Important IRA guidance:
- Contribution limits: Annual contribution limits apply1 (see current contribution limits).
- Withdrawals: Funds can be withdrawn upon maturity, but are strictly subject to IRS regulations and penalties.
Confidently plan your future starting today
We’re here to offer the support you need to select the right IRA and start saving.
Disclosures
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1Consult a tax advisor.