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% 0.31% |
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.
Start Up Share IRA
- Opening Balance: $10
- Minimum to Earn Dividends: $10-$1,000
- APY: 5.12%
- Minimum to Earn Dividends: $1,000.01+
- APY: 0.31%
Variable Rate IRA
A Variable Rate IRA helps you save for retirement and is available as a Traditional IRA, Roth IRA, or SEP IRA.
| Opening Balance | Minimum to Earn Dividends | APY | |
|---|---|---|---|
| Variable Rate IRA | $50 | $100 | 0.30% |
Variable Rate IRA
A Variable Rate IRA helps you save for retirement and is available as a Traditional IRA, Roth IRA, or SEP IRA.
- Opening Balance: $50
- Minimum to Earn Dividends: $100
- APY: 0.30%
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 dividend rate by up to 0.25%.
| Term | Minimum Balance | APY |
|---|---|---|
| 12 month | $1,000 | 2.43% |
| 18 month | $1,000 | 2.53% |
| 24 month | $1,000 | 2.73% |
| 36 month | $1,000 | 2.94% |
| 48 month | $1,000 | 2.99% |
| 60 month | $1,000 | 3.14% |
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 dividend rate by up to 0.25%.
Term: 12 month
- Minimum Balance: $1,000
- APY: 2.43%
- APY with 2,500 PlusPoints: 0.95%
Term: 18 month
- Minimum Balance: $1,000
- APY: 2.53%
- APY with 2,500 PlusPoints: 1.06%
Term: 24 month
- Minimum Balance: $1,000
- APY: 2.73%
- APY with 2,500 PlusPoints: 1.26%
Term: 36 month
- Minimum Balance: $1,000
- APY: 2.94%
- APY with 2,500 PlusPoints: 1.36%
Term: 48 month
- Minimum Balance: $1,000
- APY: 2.99%
- APY with 2,500 PlusPoints: 1.51%
Term: 60 month
- Minimum Balance: $1,000
- APY: 3.14%
- APY with 2,500 PlusPoints: 1.61%
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 dividend rate by up to 0.25%.
| Term | Minimum Balance | APY |
|---|---|---|
| 12 month | $1,000 | 2.32% |
| 18 month | $1,000 | 2.43% |
| 24 month | $1,000 | 2.63% |
| 36 month | $1,000 | 2.84% |
| 48 month | $1,000 | 2.89% |
| 60 month | $1,000 | 3.04% |
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 dividend rate by up to 0.25%.
Term: 12 month
- Minimum Balance: $1,000
- APY: 2.32%
Term: 18 month
- Minimum Balance: $1,000
- APY: 2.43%
Term: 24 month
- Minimum Balance: $1,000
- APY: 2.63%
Term: 36 month
- Minimum Balance: $1,000
- APY: 2.84%
Term: 48 month
- Minimum Balance: $1,000
- APY: 2.89%
Term: 60 month
- Minimum Balance: $1,000
- APY: 3.04%