IRAs (Individual Retirement Accounts)

Put the future in focus with tax-advantaged savings options.1

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Traditional IRAs

Contributions may be tax deductible1 and growth is tax deferred. You'll pay taxes when you make withdrawals.2

Roth IRAs

Your contributions are taxed1, but the earnings can grow tax free, and you don't pay taxes on the withdrawals.2


For small businesses and the self-employed. Like a traditional IRA, contributions may be tax-deductible.1 Investments grow tax-deferred and distributions are taxed as income.2


Your future self will thank you

IRAs are a safe, easy way to save for retirement, and we offer various options at competitive rates:

  • IRAs available in 1-year, 2-year, 3-year, 4-year, or 5-year terms (18-month variable-rate accounts also available)
  • Open an account with as little as $500
  • If you’re just getting started, our Club IRAs have no minimum balance requirement

Coverdell ESA

Use the funds from a Coverdell ESA to pay for qualified education expenses for a beneficiary like a child or grandchild. Your contributions are taxed, but the earnings are tax free. You and the beneficiary don’t pay taxes on the distributions when you withdraw the money.3

  • Use the money for qualified expenses, like college or K-12 tuition, books, supplies, and other services like tutoring or special needs assistance
  • There are some income and contribution limits, so give us a call to see if this is the right account for you

Explore more savings options


Money Markets

Easy access to your money through online banking, money market checks, by phone, or in person, plus great rates that get even better with higher balances.


Primary Savings

Get better rates on higher balances—plus automatic overdraft protection, free online banking, and all the benefits of Credit Union membership for just a $5 opening deposit.


Certificate of Deposit

Get some of our highest fixed rates on your savings with terms from six months to five years, no monthly maintenance fees, and insurance up to $250,000.


Learning Center

Go beyond banking with resources and news to learn how to make informed financial decisions.

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1This is not tax advice. Please consult your tax advisor.

IRA accounts may be subject to penalties, which may include early withdrawal penalties. 

3Withdrawals for non-qualified expenses may be subject to taxes and a federal penalty.