Individual Retirement Accounts (IRA)
Add certainty to your retirement strategy.
Schedule an AppointmentWhile the stock market goes up and down, IRA Share Certificates or IRA Money Markets offer a safe way to save, with guaranteed returns, so you can plan for your golden years with confidence. Both Traditional IRA and Roth IRA plans are available!1
Features for Faster Retirement
Features and Benefits | IRA Share Certificates (CD) | IRA Money Market |
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Recommended for members who want: |
A higher APY locked in over a fixed term. |
A tiered interest rate and easier access to retirement funds. |
Minimum Opening Deposit |
Most certificates require $500 to open. Please check each individual Certificate for specific details. |
$2500+ |
No Monthly Maintenance Fees |
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Tiered Interest Rates based on Account Balance |
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Various Term Options to Maximize Earnings |
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Schedule an Appointment | Schedule an Appointment |
IRA Certificate Rates
Term | Interest Rate | APY |
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12-Months | 0.25% | 0.25% |
36-Months | 0.40% | 0.40% |
60-Months | 0.55% | 0.55% |
Rates effective as of May 29, 2023
IRA Money Market Rates
Balance | Interest Rate | APY |
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Up to $2,500 | 0.01% | 0.01% |
$10,000-$24,999 | 0.05% | 0.05% |
$25,000-$49,999 | 0.10% | 0.10% |
Rates effective as of May 29, 2023
Let’s Put Your Money to Work.
Any questions? Feel free to call us at888-436-1847
Retirement & Investment Articles
Annual Percentage Yield (APY) is subject to change without notice.
Fees may reduce earnings. Interest rates for traditional share certificates and IRA share certificates are guaranteed from the time of purchase to maturity. They are subject to a penalty for early withdrawal. Please refer to your individual certificate for specific details, or look at our schedule of fees for details on fees and charges associated with IRA and Share Certificate Accounts.
Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.
In addition, these accounts will also be insured up to an additional $125,000 by ESI, which means the combined total coverage for your accounts could be up to $375,000.
Please refer to your individual certificate for specific details or contact a Member Service Representative at 1-888-436-1847 for complete details on your share certificate truth and savings disclosure.
Annual Percentage Yield (APY) is accurate as of date listed above and is subject to change without notice.
See our schedule of fees for details on fees and charges associated with Money Market Accounts. Fees may reduce earnings.
Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.
In addition, these accounts will also be insured up to an additional $125,000 by ESI, which means the combined total coverage for your accounts could be up to $375,000.