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Individual Retirement Accounts

Saving for retirement is different for everyone, so we offer a variety of Individual Retirement Account (IRA) products to meet your financial needs.

Compare IRA Options


Start saving for retirement with just $10. Available as either a Traditional or Roth IRA, earn a higher APY* compared to other IRA accounts on balances up to $1,000.


Variable Rate IRA**

Invest in your future with the option to choose between a Traditional IRA, Roth IRA, or Simplified Employee Pension (SEP) IRA.


IRA Certificates

Certificates can help you achieve the right balance between short- and long-term investment goals. You can also redeem your PlusPoints to increase the dividend rate by up to 0.25%.

12-Month IRA Certificate APY*

IRA Plus Advantage Certificate

Give your retirement savings a boost with a special one-time increase in the dividend rate should rates go up. Redeem your PlusPoints to increase the dividend rate by an additional 0.25%.

12-Month IRA Plus Advantage APY*

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Start Your Savings

Visit one of our 22 branch locations to open your IRA today.

Compare Rates

StartUP & Variable Rate IRA

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StartUP IRA and Variable Rate IRA rates table
Opening Balance Minimum to Earn Dividends APY*
StartUP IRA $10 $10-$1,000
Variable Rate** $50 $100 0.30%

IRA Certificates

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IRA Certificates rate table
Term Minimum Balance APY*
12 month $1,000 4.28%
18 month $1,000 4.39%
24 month $1,000 4.07%
36 month $1,000 3.87%
48 month $1,000 3.87%
60 month $1,000 3.87%

IRA Plus Advantage Certificates

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IRA Plus Advantage Certificates rate table
Term Minimum Balance APY*
12 month $1,000 4.18%
18 month $1,000 4.28%
24 month $1,000 3.97%
36 month $1,000 3.76%
48 month $1,000 3.76%
60 month $1,000 3.76%

*APY = Annual Percentage Yield. Rates effective 5.1.2024 and are subject to change without notice.

5.12% APY applies to balances of $10 – $1,000. 0.31% APY applies to balances of $1,000.01 and greater.

**$50 opening balance required. $100 minimum balance required to earn dividends.

Membership required. IRAs are insured separately from other accounts and are federally insured up to $250,000 by NCUA. Conditions and restrictions may apply. Subject to change without notice.

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Choose The Right IRA

Should you get a Roth or Traditional IRA? Read our blog to help decide what’s best for you.

Frequently Asked Questions

Traditional IRA

  • Tax-deferred retirement account
  • Contributions go in pre-tax and earnings grow tax-deferred
  • Pay taxes when money is withdrawn in retirement

Roth IRA

  • Money goes in after tax
  • Earnings grow tax-free
  • Do not pay taxes when money is withdrawn in retirement


  • Designed for self-employed individuals or small business owners
  • Pay taxes when money is withdrawn in retirement

What’s a Traditional IRA?

With the Traditional IRA, funds go in before tax and grow tax-deferred until withdrawn. They’re more attractive than ever because expanded income limits mean more people will be able to make tax-deductible contributions. In addition, penalty-free withdrawals are allowed for qualified higher-education expenses and for a first-time home purchase.

What are the tax advantages?

  • Earnings grow tax-deferred until withdrawn
  • Contributions may be tax-deductible

What are the restrictions to contribute?

Must have earned compensation and be under age 70 ½.

Traditional IRAs

What’s a Roth IRA?

With the Roth IRA, the money you contribute goes in after tax and the earnings grow tax-free. Not only can funds be used for retirement, but there are certain exceptions to withdraw earnings without penalty such as a first-time home purchase.

This flexibility makes the Roth IRA appealing to many different age and income groups with an easy and safe way to plan for the future.

What are the tax advantages?

  • Earnings grow tax-free
  • Regular contributions can be withdrawn tax and government-penalty free at any time
  • After the account has been open five tax years, earnings can be withdrawn tax and penalty-free for any of these reasons: age 59 ½, disability, death, or a first-time home purchase (lifetime limit for exemption on first-time home purchase is $10,000)

What are the restrictions to contribute?

Must fall within certain modified adjusted gross income (MAGI) limits to make the full contribution limit. See how much you can contribute here.

Roth IRAs

With a Traditional IRA, your contributions may be tax-deductible and earnings are tax-deferred, meaning you pay taxes on most traditional funds upon withdrawal.

In contrast, Roth IRA contributions are always made with after-tax dollars, but qualified withdrawals are tax-free — including your earnings.

Compare IRAs 

Some withdrawals from Traditional or Roth IRAs may be subject to additional penalties if they’re taken improperly or at the wrong time. Please consult your tax advisor for additional information.

For the most accurate contribution limits, visit the IRA contribution limits from the IRS.

“Catch-up” contributions are specifically designed to help those who are getting closer to retirement catch up on their retirement savings.

You’re eligible as long as you’re at least 50 years old during the year the contribution is for and as long as you meet the eligibility requirements for Traditional or Roth IRAs.


Retirement Resources

Take advantage of these resources whether you’re starting to save for retirement, are getting ready to retire, or are somewhere in between.

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Life Guidance for:

Saving For Retirement

Saving for retirement can be daunting, especially early on. Dive into our resources to better understand your options and take full advantage of your best retirement saving asset – time.

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Life Guidance for:


Ready to take control of your finances? See what steps to follow to develop a spending and saving plan and follow through on it.

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