Individual Retirement Accounts. Open an IRA for Maximum Retirement Comfort

Individual Retirement Accounts (IRAs)

Our regular IRA deposit accounts offer a number of features not found elsewhere, such as quarterly rate changes to protect you from inflation, the convenience of payroll deduction and NO fees or charges. In addition, your deposit could be tax-deductible (consult with your tax advisor). IRAs are separately insured by the NCUSIF to $250,000.00.

Roth IRA

Roth IRA

Make annual contributions up to $6,000.00 ($7,000.00 if you're age 50 or older) per person for individuals with earned income and modified adjusted gross incomes under $95,000, or $150,000 for couples.

Tax-free withdrawals (distributions) are allowed after five years if:

  • You are older than 59-1/2
  • You become permanently disabled
  • Penalty free before 5 years for first time home purchase (Taxes due on earnings only)
Traditional IRA CDs and Share Accounts

Traditional IRA CDs and Share Accounts

  • Your annual contribution are typically tax-deferred earnings and may reduce your taxable income.*
  • Same great rates and maturity options as our regular CDs for 1 year and over.
  • Penalty-free distributions are now allowed for qualified education expenses or a first-time home purchase. Withdrawals must begin when you reach the age of 70-1/2

Coverdell Educational Savings Account

Coverdell Educational Savings Account

Invest in the future of your children.

Educational Savings Accounts are specifically designed to help you establish college funds for your children.

Save up to $2,000 per year, per child, with advantages such as tax-deferred growth and tax-free withdrawals for qualified expenses, although you should check with your tax advisor about the details.


*Consult your tax advisor for specific IRS guidelines. Members should be aware that tax penalties might apply to certain withdrawals from IRA accounts.

Individual Retirement Account


Annual Percentage Yield

IRA Accumulation


1 Year IRA Certificate


2 Year IRA Certificate


3 Year IRA Certificate


5 Year IRA Certificate


Rates are effective as of 7/15/2024 and are subject to change without notice. All accounts are federally insured to at least $250,000 by the National Credit Union Administration, an agency of the U.S. Government.

*APY = Annual Percentage Rate.  Minimum account balances are as follows: Savings - $5.00, Money Market - $2,000, Share Certificates - $500 (excluding special offers), IRAs: $500 for Accumulation account, $500 for 1 Year term, 2 Year Term, 3 Year Term and 5 Year Term.  Rates listed are subject to change without notice. Transaction Limits: $500 withdrawal minimum on Money Market. Fees could reduce the earnings on the account.

Dividend Calculator

Use this financial calculator to improve your financial planning and learn how to reach your financial goals.

Please note that this calculator is provided for informational and planning purposes only. It does not constitute an offer to extend credit. Actual results may vary.

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