Individual Retirement Account (IRA) disclosures, rates and fees

Each account holder agrees to the terms set forth on this Account Rate Schedule and acknowledges that it and the Truth in Savings Disclosure are part of the Membership and Account Agreement. The credit union may offer other rates in the future. Fees or other conditions may reduce the earnings of an account.

Individual Retirement Account (IRA) savings rates
Effective Date: Thursday, June 8th, 2023
AccountMinimum balance to earn dividends*Dividend rateAnnual Percentage Yield (APY)
Individual Retirement Account (IRA) savings $5 0.15% 0.15%
The minimum balance to open an IRA savings account is $0.00.
* Minimum balance that must be maintained each day to earn dividends.

Visit a branch | Open IRA savings

IRA features

  • No monthly or annual fee

  • Low minimum opening deposit of $5

  • Account balances are used to calculate Member Merits rewards

  • Accounts are federally insured by the NCUA up to $250,000

  • $25 early closure fee if account is held less than 180 days

  • Four IRA Savings accounts to choose from

    • Traditional IRA

    • Roth IRA

    • SEP IRA (Simplified Employee Pension Individual Retirement Agreement)

    • Coverdell ESA (Education Savings Account)

Visit a branch | Open IRA savings

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