IRAs

Accounts designed to save for your retirement.

We offer different IRA products to meet your financial needs. Which one you choose depends on your individual financial situation and long-term goals.

StartUP IRA

The StartUP IRA is an easy way to start saving for retirement. Available as either a Traditional or Roth IRA, the StartUP IRA can be opened with only $10 and earns a higher APY return on balances up to $1,000 compared to other IRA accounts.

	Opening Balance	Minimum to Earn Dividends	APY
StartUP Share IRA	$10	$10-$1,000 $1,000.01+	5.12% 0.41%

VISIT

APY=Annual Percentage Yield. Rates subject to change without notice. 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. Membership required. Effective dates: 10.17.19 through 10.22.19.

IRA Savings

An IRA savings helps you save for retirement and is available as a Traditional IRA, Roth IRA, or SEP IRA.

	Opening Balance	Minimum to Earn Dividends	APY
IRA Savings	$50	$100	0.40%

VISIT

IRA Certificates

Certificates can help you achieve the right balance between long- and short-term investment goals. You can also redeem your PlusPoints to increase the APY by up to 0.50%.

Term	Minimum Balance	APY
12 month	$1,000	1.61%
24 month	$1,000	1.92%
36 month	$500	2.02%
48 month	$500	2.22%
60 month	$500	2.38%

VISIT

APY=Annual Percentage Yield. Routing #314977104. A penalty may be imposed for early withdrawals. 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. Membership required. Effective Dates: 10.17.19 through 10.22.19.

IRA Plus Advantage Certificates

IRA Plus Advantage Certificates add the special feature of getting a one-time increase in the dividend rate should rates increase (specific to certificate term and type). What does that mean? It’s like leveling up in a video game, but for IRA share certificates. You can also redeem your PlusPoints to increase the APY by up to 0.50%.

Term	Minimum Balance	APY
12 month	$1,000	1.51%
24 month	$1,000	1.82%
36 month	$1,000	1.92%
48 month	$1,000	2.12%
60 month	$1,000	2.27%

VISIT

APY=Annual Percentage Yield. Routing #314977104. A penalty may be imposed for early withdrawals. To increase the rate during the term using PlusPoints, PlusPoints must be available at each rate change. 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. Membership required. Effective dates: 10.17.19 through 10.22.19.