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Find answers to our Frequently Asked Questions.
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%

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: 5.24.2022 (6pm) through 5.31.2022 (5:59pm).

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%

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: 5.24.2022 (6pm) through 5.31.2022 (5:59pm).

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%

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. Declared rate from 6.1.2022 through 6.30.2022.

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%

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. Declared rate from 6.1.2022 through 6.30.2022.

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 0.70%
18 month $1,000 0.80%
24 month $1,000 1.00%
36 month $1,000 1.10%
48 month $1,000 1.25%
60 month $1,000 1.35%

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: 5.24.2022 (6pm) through 5.31.2022 (5:59pm).

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: 0.70%
  • APY with 2,500 PlusPoints: 0.95%

 

Term: 18 month

  • Minimum Balance: $1,000
  • APY: 0.80%
  • APY with 2,500 PlusPoints: 1.06%

 

Term: 24 month

  • Minimum Balance: $1,000
  • APY: 1.00%
  • APY with 2,500 PlusPoints: 1.26%

 

Term: 36 month

  • Minimum Balance: $1,000
  • APY: 1.10%
  • APY with 2,500 PlusPoints: 1.36%

 

Term: 48 month

  • Minimum Balance: $1,000
  • APY: 1.25%
  • APY with 2,500 PlusPoints: 1.51%

 

Term: 60 month

  • Minimum Balance: $1,000
  • APY: 1.35%
  • APY with 2,500 PlusPoints: 1.61%

 

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. APY with 2,500 PlusPoints includes 0.25% increase from redeeming 2,500 PlusPoints. Conditions and restrictions may apply. Subject to change without notice. Membership required. Effective Dates: 5.24.2022 (6pm) through 5.31.2022 (5:59pm).

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 0.60%
18 month $1,000 0.70%
24 month $1,000 0.90%
36 month $1,000 1.00%
48 month $1,000 1.15%
60 month $1,000 1.25%

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: 5.24.2022 (6pm) through 5.31.2022 (5:59pm).

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: 0.60%

 

Term: 18 month

  • Minimum Balance: $1,000
  • APY: 0.70%

 

Term: 24 month

  • Minimum Balance: $1,000
  • APY: 0.90%

 

Term: 36 month

  • Minimum Balance: $1,000
  • APY: 1.00%

 

Term: 48 month

  • Minimum Balance: $1,000
  • APY: 1.15%

 

Term: 60 month

  • Minimum Balance: $1,000
  • APY: 1.25%

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: 5.24.2022 (6pm) through 5.31.2022 (5:59pm).