Individual Retirement Accounts (IRAs)

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Visit Retirement Central to learn
more and open an IRA.

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.

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
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Traditional IRA

  • Contributions may be tax deductible*
  • Deposits grow tax-deferred until withdrawn
  • Withdrawals are taxed as income
  • Required Minimum Distribution starts at age 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
  • Most withdrawals before age 59 ½ result in IRS penalties
  • Not required to withdraw the funds at a certain age vs. Traditional IRA or 401(k)

IRA Certificate


Lock up your savings for 12 months to 5 years to earn a higher rate than other IRAs
Open an IRA Certificate with as little as $1,000
No monthly service fee

Traditional and Roth IRA Rates

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Account Description Dividend Rate Annual Percentage Yield (IRA)
Individual Retirement Account (IRA) 0.10% 0.10%

Effective 9/28/2021

Earn even higher rates

With a Partner or Ambassador-Level Membership Rewards relationship by opening more accounts!

Premium IRA Certificate Rates for Partners & Ambassadors

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Term Dividend Rate
Annual Percentage Yield
12 months 0.65% 0.65%
18 months 0.70% 0.70%
24 months 0.75% 0.75%
36 months 0.80% 0.80%
48 months 0.90% 0.90%
60 months 1.00% 1.00%

IRA Certificate Rates

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Term Dividend Rate
Annual Percentage Yield
12 months 0.45% 0.45%
18 months 0.50% 0.50%
24 months 0.55% 0.55%
36 months 0.60% 0.60%
48 months 0.70% 0.70%
60 months 0.80% 0.80%

Effective 9/28/2021

Retirement Planning Education

Learn the financial basics about retirement planning with our Online Learning Modules and calculators.

Learn More

*Consult a tax advisor.
Dividends are compounded and paid monthly. Once a Certificate is opened, the rate remains fixed through maturity, and early withdrawal penalties apply and may reduce earnings. Membership eligibility is required.