Individual Retirement Account (IRA)**

Traditional, ROTH & Educational IRAs are available in certificate or accumulative terms

Certificate IRAs

  • Fixed terms from 6 to 48 months
  • Fixed dividend rates
  • $500 minimum balance & opening deposit
  • $500 balance earns dividends
  • Early withdrawal fee

Accumulative IRAs

  • No fixed term
  • Adjustable dividend rates
  • No minimum balance or opening deposit
  • $100 balance earns dividends

Additional Resources

Interest rates

**IRA types have different purposes, tax & contribution guidelines and are insured by NCUA.