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. Visit Retirement Central® 4.18%APYAttractive dividends up to 4.18% APY?(View Rates)$100Start saving now and open an account with just $1002 optionsSelect 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 IRAsNo set-up feesFixed-rate options for 12, 24, 36, 48 or 60 months18-month variable rateInsured up to $250,000 by the NCUAConvenient deposits through payroll deduction and automatic transfers Plan for retirement with an IRA, today.Our IRA accounts can help you save for retirement at every stage of your life. Visit Retirement Central® This site is not compatible with all browsers. For best results, we recommend using Microsoft Internet Explorer® 7.0 or higher.