IRAs

Current Rates

Savings Calculator

Membership

Savings Glossary

Thinking about retirement?There is no better time of year than the present to start saving or to make additional contributions for your retirement.Tax season is a great time to save for retirement as your contributions may be tax deductible*. Start saving today and open one of our IRA Certificates. Our IRA Certificates are specially formulated to provide:

• Greater earnings through a higher dividend rate
• Peace of mind knowing that your retirement funds will earn a constant rate
• Security knowing that your funds are federally insured by the NCUA**
• Opening an IRA Certificate is a win-win situation. Not only are you getting the best rates in town, but you also have the possibility of tax advantages*. 

Traditional, Roth, and Coverdell (Education) IRA accounts are available to assist members with retirement planning. These are ideal choices if you're rolling over a plan from an employer.

There are two IRA investment plans:
IRA Savings

• Balances up to $999 earn dividends higher than regular savings rate
• Balances above $1,000 earn slightly higher rate than IRAs up to $999

IRA Certificates

• $1,000 minimum to open
• Terms: 1, 2, 2½, 3, 4, & 5 year
• Automatic renewal
• Earns dividends
• Penalty for early withdrawal - 90 days' dividends (earned or not)
• No penalty for members age 59½ or older
    

*Please check with your tax advisor as tax advantages may apply. **APY - Annual Percentage Yield. Offer and yields subject to change without notice. Dividends compounded and posted monthly. There is a $1,000 minimum to open and a penalty for early withdrawal (No penalty for members age 59½ or older). Certificate will renew automatically of the same term at maturity at the dividend rate in effect at that time. Funds are federally insured up to $100,000 by the National Credit Union Association (NCUA), a U.S. Government agency.