Individual Retirement Accounts (IRAs)

Take the first step.

We know it can be intimidating to think about and save for retirement, but it doesn't have to be. Sometimes taking the first step with a high-yield Individual Retirement Account (IRA) can build healthy saving habits that last a lifetime. Plus, the sooner you begin saving, the more fun you can have in your retirement!

An IRA plan is a great way to invest for your retirement while realizing a high yield at a fixed rate. A fixed-rate IRA guarantees your dividend, even if rates go down. You may be able to defer taxes on the earnings. We offer very flexible credit union retirement plans, which pay market rates and require no minimum contribution.

You’ve got options:

• Daily IRA account at a variable rate; or

• An IRA Certificate at a fixed rate for a specified time

Contributions can be made in any combination of:

• Payroll deduction or automatic transfer

• Lump sum deposit

• Roll-overs from another IRA or qualified retirement plan