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IRA/Retirement

Earn more interest on your IRA account with a variety of federally insured options.  See our current IRA Certificate and money market account rates and see how we compare to other financial institutions.

Learn more about our IRA's  and HSA accounts

IRA Certificate Specials
Effective Date: Wednesday, January 16th, 2019
TermRateAPY*
13 Months 2.77% 2.80%
19 Months 2.87% 2.90%
25 Months 2.97% 3.00%
30 Months 3.07% 3.11%
61 Months 3.31% 3.35%
* Annual Percentage designated as APY.  Certificate specials are for a limited time and the credit union may end it at anytime without notice.  Minimum certificate opening balance is $500.  Specials are non-renewable.  The 13 month term will renew into a 12 month term, the 19 month will renew to an 18 month term, the 25 and 30 month will renew into a 24 month term and the 61 month term will renew into a 60 month certificate.  Penalty for early withdrawal.

Jumbo and Jumbo IRA Certificates $100,000 and Above
Effective Date: Wednesday, January 16th, 2019
TermRateAPY*
6 Months 1.64% 1.65%
1 Year 2.13% 2.15%
18 Months 2.23% 2.25%
2 Years 2.33% 2.35%
3 Years 2.58% 2.61%
4 Years 2.72% 2.75%
5 Years 3.07% 3.11%
$100,000 is the minimum balance required to open account and earn APY.  Rates are reviewed and revised weekly as necessary.  Penalty for early withdrawal.

IRA Certificates $500 and Above
Effective Date: Wednesday, January 16th, 2019
TermRateAPY*
6 Months 1.54% 1.55%
1 Year 1.69% 1.70%
18 Months 1.74% 1.75%
2 Years 2.13% 2.15%
3 Years 2.33% 2.33%
4 Years 2.52% 2.55%
5 Years 2.72% 2.75%
$500 is the minimum balance required to open account and earn APY.  Rates are reviewed and revised weekly as necessary.  Penalty for early withdrawal.

Retirement / Education / Health Savings Accounts
Effective Date: Wednesday, January 16th, 2019
Account TypeDividend RateAPY*Dividend CreditedMinimum Balance

Health Savings (HSA) (1)

0.50% 0.50% Monthly $0

IRA Money Market (1, 6)

0.45% 0.45% Monthly $2,500

IRA Savings (1)

0.20% 0.20% Quarterly $5

(1) Rates are determined by the Board of Directors and may change at any time.
(6) Minimum balance of $2,500 required to earn dividends.

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