IRA Savings
With tax advantages and flexible options, an IRA Savings Account with OSCU helps you save for retirement on your terms.
INVEST IN YOUR FUTURE PEACE OF MIND
KEY BENEFITS
Flexible account options
No monthly fees
Tax advantages
Competitive rates
Why choose an IRA Savings Account with OSCU?
Whether you’re planning far ahead or catching up, an IRA helps you save with flexible terms, tax advantages, and options for every stage of life. IRA Savings may allow eligible members to make tax-deductible contributions.
Flexible options
- Choose from Traditional, Roth, SEP, or Coverdell Education IRAs
- Save in the way that best fits your goals
Tax advantages
- Eligible members may make tax-deductible contributions
- Members 50+ can add $7,500 in catch-up contributions
High-value savings
- No monthly fees
- Competitive rates that help your money grow
- IRA certificates also available
Individual Retirement Account (IRA) details
Effective date
Thursday, November 12, 2026
| Account | Minimum balance to earn dividends* | Dividend rate | Annual Percentage Yield (APY) |
|---|---|---|---|
| Individual Retirement Account (IRA) savings | $5 | 0.10% | 0.10% |
The minimum balance to open an IRA savings account is $0.00. | |||
* Minimum balance that must be maintained each day to earn dividends. | |||
Individual Retirement Account (IRA) savings rates
Individual Retirement Account (IRA) savings
The minimum balance to open an IRA savings account is $0.00.
* Minimum balance that must be maintained each day to earn dividends.
Find a branch or ATM
Use the Find a location panel below to find a nearby branch, ATM, or one of more than 40,000 surcharge-free CO-OP ATMs nationwide.
Financial Education Center
Understanding Tax-Advantaged Retirement Savings
Tips for How to Create a Balanced Investment Portfolio
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