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Individual Retirement Accounts (IRAs)

Whether you’re starting your first job or established in your career, it’s always the perfect time to save for retirement.

Attractive dividends up to 1.10% APY1

(View Rates)

  • 1 Rate effective as of 12/04/2020. A penalty may be imposed for early withdrawals. Fees may reduce earnings on your account. Annual percentage yield (APY) may change after account is opened.

$100

Start saving now and open an account with just $100

2 options

Select from a traditional or Roth IRA (differences below)

We offer two Individual Retirement Accounts, which meet different needs.

Traditional IRA: You can contribute at any age, but you must have earned income, or, for spousal contributions, be married and file a joint tax return. Your spouse must have earned income of at least what is contributed to the IRA. You’ll pay taxes when you withdraw pre-tax contributions and when you withdraw earnings. 

Roth IRA: You can contribute at any age, but your income determines how much. You benefit from tax-free growth and tax-free qualified withdrawals. As long as you meet a five-year aging requirement, you won’t pay federal taxes on your earnings. 

Features & Benefits for Traditional & Roth IRAs

  • No set-up fees
  • Fixed-rate options for 12, 24, 36, 48 or 60 months
  • 18-month variable rate
  • Insured up to $250,000 by the NCUA
  • Convenient deposits through payroll deduction and automatic transfers