Individual Retirement Accounts (IRA)

Add certainty to your retirement strategy.

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While 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
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.


No Monthly Maintenance Fees checkmark checkmark
Tiered Interest Rates based on Account Balance checkmark
Various Term Options to Maximize Earnings checkmark
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IRA Certificate Rates

Term Interest Rate APY
12-Months 4.60% 4.70%
36-Months 2.42% 2.45%
60-Months 2.52% 2.55%

Rates effective as of June 23, 2024

IRA Money Market Rates

Balance Interest Rate APY
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 June 23, 2024

Let’s Put Your Money to Work.

Any questions? Feel free to call us at888-436-1847