Business Loans Accounts Style 02 Car Loans Checking Credit Cards Digital Banking Accounts Style 01 Home Equity Loans Insurance Investing Membership Mortgage Personal Loans RV, Boat, Motorcycle Loans Savings
Skip to main content

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 2.81% APY1

(View Rates)

  • 1 Rate effective as of 11/19/2019. 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 until you’re age 70½. 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