Build Your Savings Strategy

TRADITIONAL IRA

Choose the Traditional IRA if you want the tax deduction right now.  Many people can deduct contributions to Traditional IRAs on their tax returns.  Traditional IRA’s also make sense if you anticipate paying taxes at a significantly lower rate in retirement.  All earnings may be tax deferred. 

Benefits

Tax Deferred Growth

Traditional IRA contributions are made with pre-tax dollars.

Anyone Can Contribute

Anyone with earned income can continue to contribute to an IRA.

Flexible Investment Options

Can be deposited in different types of investment products.

IRA Certificates

With our no minimum IRA Savings, it's easy to open and add to your account whenever you choose.  You can also choose the convenience of automated savings through payroll deduction.  Or you can invest in an IRA Certificate of Deposit to lock in a greater rate of return, with a minimum of only $500.

IRA Accounts
Minimum to Open
Minimum Balance
Dividend Rate
APY1
IRA Shares
$5.00
$0.01
0.15%
0.15%
Roth IRA Shares
$5.00
$0.01
0.15%
0.15%

Rates effective 03/01/2022. 

Term
Membership Level1
Minimum
to Open

Minimum Balance

Interest Rate
APY2
1 year
Basic/Value
$10,000.00
$10,000.00
0.65%
0.65%
1 year
Select
$10,000.00
$10,000.00
0.75%
0.75%
1 year
Premium
$10,000.00
$10,000.00
0.90%
0.90%
2 year
CD Boost
$10,000.00
$10,000.00
0.55%
0.55%
3 year
CD Boost
$10,000.00
$10,000.00
0.70%
0.70%

For more information, please see our retirement page.   Please contact a Credit Union employee or call us for further information about applicable fees and terms.

Federally insured by NCUA

2APY (Annual Percentage Yield) is the actual effective annual yield after the compounding of interest/dividends.

Minimum Balance to Maintain Stated APY

Rates and yields are subject to change without notice.  Some accounts require a specific minimum balance to earn the stated APY.  A penalty may be imposed for early withdrawal. Fees could reduce earnings on the account. 

Rates effective 05/12/2022.

Term
Membership Level1
Minimum
to Open

Minimum Balance

Interest Rate
APY2
1 year
Basic/Value
$500.00
$500.00
0.60%
0.60%
1 year
Select
$500.00
$500.00
0.70%
0.70%
1 year
Premium
$500.00
$500.00
0.85%
0.85%
2 year
CD Boost
$500.00
$500.00
0.60%
0.60%
2.5 years
Basic/Value
$500.00
$500.00
0.75%
0.75%
2.5 years
Select
$500.00
$500.00
0.85%
0.85%
2.5 years
Premium
$500.00
$500.00
1.00%
1.00%
3 year
CD Boost
$500.00
$500.00
0.70%
0.70%
5 years
Basic/Value
$500.00
$500.00
1.10%
1.10%
5 years
Select
$500.00
$500.00
1.20%
1.20%
5 years
Premium
$500.00
$500.00
1.35%
1.35%

For more information, please see our retirement page.   Please contact a Credit Union employee or call us for further information about applicable fees and terms.

Federally insured by NCUA

2APY (Annual Percentage Yield) is the actual effective annual yield after the compounding of interest/dividends.

Minimum Balance to Maintain Stated APY

Rates and yields are subject to change without notice.  Some accounts require a specific minimum balance to earn the stated APY.  A penalty may be imposed for early withdrawal. Fees could reduce earnings on the account. 

Rates effective 05/12/2022.

 

Term
Membership Level1
Interest Rate
APY2
1 year
Basic/Value
0.50%
0.50%
1 year
Select
0.53%
0.53%
1 year
Premium
0.68%
0.68%
2.5 years
Basic/Value
0.65%
0.65%
2.5 years
Select
0.71%
0.71%
2.5 years
Premium
0.86%
0.86%
5 years
Basic/Value
1.00%
1.00%
5 years
Select
1.01%
1.01%
5 years
Premium
1.16%
1.16%

For more information, please see our retirement page.   Please contact a Credit Union employee or call us for further information about applicable fees and terms.

Federally insured by NCUA

2APY (Annual Percentage Yield) is the actual effective annual yield after the compounding of interest/dividends.

Minimum Balance to Maintain Stated APY

Rates and yields are subject to change without notice.  Some accounts require a specific minimum balance to earn the stated APY.  A penalty may be imposed for early withdrawal. Fees could reduce earnings on the account.

Rates effective 05/02/2022.

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What are CDs and IRAs?

Are you thinking about investing but aren’t sure where to begin? CDs and IRAs are a good, low-risk place to start investing in your future.

Learn More
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We Make Switching Easy

Our automated account switching solution makes it easy for you to quickly and securely switch over your recurring direct deposits and automatic account payments.

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