Standard IRA

Maximize your savings

Explore Now, Reap the Rewards Later······

Choose between a
Share or Certificate

A Roth IRA helps you build long-term savings with more flexibility and control. Your money grows tax-free, and qualified withdrawals aren’t taxed—so what you save works harder for you over time.

Explore our
Share

couple enjoying simple everyday things such as grocery shopping

Open a Traditional IRA Share with just $25 and no fixed term. Contributions and dividends grow tax-deferred, and eligible contributions may be tax-deductible. Members under 50 can contribute up to $7,000 annually, or $8,000 if age 50 and over (limits subject to IRS changes). ¹

Then Compare,
to our Certificate (CD)

A Traditional IRA CD offers tax-deferred growth with a fixed term and predictable returns. Open with $500 and lock in a rate based on your chosen term. Annual contribution limits are up to $7,000 for members under 50 and $8,000 for those 50 and over (subject to IRS changes). Certificates automatically roll over at maturity. ¹

Certificate Rates¹

Term

Dividend Rate

APY

12 Months

1.73%

1.75%

18 months

1.98%

2.00%

24 months

2.23%

2.25%

36 months

2.47%

2.50%

48 months

2.72%

2.75%

60 months

2.96%

3.00%

Disclosures