IRAs and Retirement Accounts

Saving for the future and today

Disclosures

  • 130) APY = Annual Percentage Yield. Dividend rates are fixed for the term of the certificate. Rates are valid as of   and are subject to change.
  • 224) Penalty for early withdrawal may be assessed and may reduce earnings for all term share certificates.
  • 225) You may request one “Bump-Up” during the term of your Certificate.
  • 232) Limited time offer. Dividend rates are fixed for the term of the certificate and are not subject to a tiered rate. The minimum opening deposit is $10,000. Deposits cannot be added to this certificate once it has been opened. Institutional deposits are not eligible. At maturity, the 3 Month IRA Pick-A-Term Certificate will automatically renew to the 3 Month IRA Pick-A-Term Certificate fixed rate.  The 6 Month IRA Pick-A-Term Certificate will automatically renew to the 6 Month IRA Pick-A-Term Certificate fixed rate, and the 9 Month and 12 Month IRA Pick-A-Term Certificates will renew to the 12 Month IRA Pick-A-Term Certificate fixed rate, in effect at that time.
  • 291) The dividend declaration date is the last day of the dividend period at which time these rates will be paid. Rates are fixed unless stated otherwise. Variable rates are subject to change anytime at the discretion of the Board of Directors.

Features

  • IRA Pick-A-Term Certificates224 offers 3, 6, 9 and 12 month terms

  • Federally insured up to $250,000​ by NCUA

IRA Pick-A-Term Certificates

EARN UP TO 4.00% APY130

This limited-time offer allows you to choose between 3, 6, 9 or 12 month terms to meet your short-term retirement goals.232

Features

  • Available in 24 and 36-month terms

  • Federally insured up to $250,000 by NCUA
     

Variable Rate IRA Term Share Certificate

Take advantage of good market conditions with this variable rate certificate291. Earnings are tax-free if the account is open for five tax years and withdrawn for a qualified reason.224 See rates.

When the term is up, you can roll it over into a different IRA/ESA account, or just let it automatically renew at the rate that is current at the time.224

Features

  • Flexible terms from 12 - 60 months
  • Federally insured up to $250,000​ by NCUA

Fixed Rate IRA Term Share Certificates

With a variety of terms and rates to choose from, you can start your risk-free retirement or educational savings now with a $500 minimum.

If we advertise a higher rate for this IRA certificate than the current rate you are receiving, you can request whatever rate is current, one time, any time during the term of the certificate, and we'll apply it to the remaining term.

Features

  • 24-month term

  • Step up to a higher rate if advertised one time during your term

  • Federally insured up to $250,000 by NCUA
     

Bump-Up IRA Term Share Certificate

This great certificate224 allows you to step up to a higher rate.225

This fixed rate account224 is a smart and flexible way to save with automatic payroll deduction. Deposits that raise the balance into the next tier will increase the rate, allowing your money to grow even faster.

Features

  • 24-month term

  • Add deposits of any amount, at any time, up to a maximum of $1,000,000 without affecting your term

  • Federally insured up to $250,000 by NCUA
     

Add-On IRA Term Share Certificate

Add deposits of any amount — anytime.

Features

  • Variable rate
  • Federally insured up to $250,000 by NCUA

Requirements

  • Minimum opening deposit of $25


View IRA contribution limits

IRA Savings Account

If you're opening an IRA for the first time, you can begin with as little as $25. This is our most liquid IRA as you can make contributions of any amount, any time throughout the year. See rates.

Consultations are Free

To make an appointment with a professional, experienced Financial Consultant, call (800) 656‑4096 or schedule online.
 
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