IRAs and Retirement Accounts

With a variety of terms and rates to choose from, you can start your risk-free retirement or educational savings now with a $500 minimum. When the term is up, you can roll it over into a different IRA/ESA account, or just let it automatically renew at the rate that is current at the time.²²⁴

Features

• Flexible terms from 12 - 60 months
• Federally insured to $250,000​

Requirements

• Minimum opening deposit of $500
• IRA contributions are limited to $6,000 per year; additional $1,000 allowed for those over 50 years old to "catch up"

Take advantage of good market conditions with this variable rate certificate. Earnings are tax-free if the account is open for five tax years and withdrawn for a qualified reason.²²⁴ See rates.

Features

• Available in 24 and 36-month terms

• Federally insured to $250,000 by NCUA
   

Add deposits of any amount — anytime. This fixed rate account²²⁴ is a smart and flexible way to save with automatic payroll deduction. Deposits that raise the balance into the next tier will increase the rate, allowing your money to grow even faster. See rates.

Features

• 24-month term

• Add deposits of any amount, at any time, up to a maximum of $1,000,000 without affecting your term

• Federally insured to $250,000 by NCUA
   

This great certificate²²⁴ allows you to step up to a higher rate.²²⁵ If we advertise a higher rate for this IRA certificate than the current rate you are receiving, you can request whatever rate is current, one time, any time during the term of the certificate, and we'll apply it to the remaining term. See rates.

Features

• 24-month term

• Step up to a higher rate if advertised one time during your term

• Federally insured to $250,000 by NCUA
   

If you're opening an IRA for the first time, you can begin with as little as $25. This is our most liquid IRA as you can make contributions of any amount, any time throughout the year. See rates.

Features

• Variable rate
• Federally insured to $250,000 by NCUA

Requirements

• Minimum opening deposit of $25
• IRA contributions are limited to $6,000 per year; additional $1,000 allowed for those over 50 years old to "catch up"