Retirement Savings Accounts
Take your nest egg
to the next level.
Save for retirement with our IRA options and
expert local guidance.
Build an awesome retirement.
You want to be comfortable and financially secure in retirement. An Individual Retirement Account
can help make it happen.
Enjoy potential tax advantages to help you save more and grow your money faster.
Access flexible savings and investment options to fit your needs and long-term goals.
Add stability to your retirement savings with federally insured IRA Certificates.
Explore our IRA options.
A straightforward way to save for tomorrow.
With this popular plan, your contributions may be tax-deductible and earnings are tax-deferred until your funds are distributed.*
Overview
- $25.00 minimum balance
Eligibility
- Must be under the age of 70½
- Must have earned income
- Tax deductibility is based on income requirements
Enjoy potential tax savings in retirement.
Unlike with a Traditional IRA, your Roth IRA contributions are taxed upfront. However, your earnings will grow tax-free, and principal and interest can be withdrawn tax-free (when qualifications are met).*
Overview
- $25.00 minimum balance
Eligibility
- No age restrictions
- Must have earned income
- Tax deductibility is based on income requirements
Let’s protect your nest egg.
Our competitive IRA Certificates can be a great way to protect your retirement savings while earning a great rate.
Overview
- $500.00 minimum balance
- Competitive guaranteed rates
- Terms from 6 months to 5 years
- Funds federally insured by NCUA and MSIC
Open your account today.
A penalty may be imposed for early withdrawal before maturity.
IRA Certificates
IRA Certificates
Protect your nest egg.
Help secure your retirement savings while enjoying steady returns with one of our IRA certificates.
- Competitive guaranteed rates
- Terms from 6 months to 5 years
- Funds federally insured by NCUA and MSIC
IRA Certificate rates.
Comparison of IRA certificate options.| Type | Minimum Balance* | Dividend Rate | Annual Percentage Yield (Dividends Compounded Monthly) |
|---|---|---|---|
| 3 Month Special IRA** | $1,000.00 | 4.89% | 5.00% |
| 7 Month Special IRA** | $1,000.00 | 4.41% | 4.50% |
| 11 Month Special IRA** | $1,000.00 | 3.93% | 4.00% |
| 6 Month | $500.00 | 0.20% | 0.20% |
| 12 Month | $500.00 | 0.25% | 0.25% |
| 18 Month | $500.00 | 0.25% | 0.25% |
| 24 Month | $500.00 | 0.35% | 0.35% |
| 36 Month | $500.00 | 0.50% | 0.50% |
| 48 Month | $500.00 | 0.60% | 0.60% |
| 60 Month | $500.00 | 0.65% | 0.65% |
* Minimum Balance required to open account as well as to obtain advertised Annual Percentage Yield (APY). The dividend rate and interest rate may change at any time without prior notice. Fees could reduce earnings. A penalty may be imposed for early withdrawals. Ask an employee for further information about fees and terms applicable to the accounts.
** Special certificates are not to be combined with any other offer. Penalty for early withdrawal. Fees could reduce earnings.
Rates effective as of October 14, 2024.