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Individual Retirement Accounts (IRAs)

IRAsSave more for retirement. We have programs that can help you achieve your goals. Protected by the NCUA up to $250,000, an IRA is an excellent way to grow your funds while deferring taxes.* Choose to open a Traditional or Roth IRA, depending on your situation.


Offers tax-deferred earnings and the possibility for tax-deductible contributions.* These tax advantages make the Traditional IRA a powerful tool in creating a balanced, long-term savings plan.


Qualified distributions are tax-free, flexible withdrawal options are available* and no required mandatory withdrawals.


Earn even more interest on your IRA deposits by opening an IRA Certificate. Offering 1 year and 2 year terms to maximize your earnings.


  • Tax-advantaged* way of saving for retirement
  • Earn great dividends that are higher than primary Savings
  • Choose between Traditional and Roth IRAs
  • Low minimum deposit requirements
    • IRA Savings – $5 minimum opening deposit; $100 minimum to earn interest
    • IRA Certificates – $500 minimum opening deposit

*The Internal Revenue Code may impose a penalty on withdrawals of taxable amounts before you reach age 59 ½. Contributions, distributions and withdrawals are subject to IRS limits. Consult with your tax advisor for additional guidance on which type of IRA may best fit your needs.

View our current rates

Call (808) 624-9884 for more information.

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