Every dollar counts when you're saving for retirement. Individual Retirement Accounts (IRAs) allow you to make the most of every dollar you save.

Along with our IRA options, we also offer retirement planning services that can help you invest wisely for your future.

Tax Benefits

Your savings can grow faster with an IRA than a traditional taxable savings account.

Earn Dividends Faster

Earn dividends at a higher rate than a traditional savings account.

IRA Options

IRAs are available for all wage earners - even if you are already covered by another type of retirement or pension plan.

Compare IRA Options

Traditional IRA

Contributions may be tax deductible up to 100% depending on Annual Gross Income and employer-sponsored retirement plan

Earnings grow tax-deferred until withdrawn

Withdrawals are taxed as income

As of January 1, 2020, Required Minimum Distributions (RMDs) are now required for members that turn 72. Members who were 70.5 or older in 2019 will need to continue taking required RMD.

Roth IRA

Contributions are not tax deductible; taxes paid up front

Earnings grow tax-deferred

Withdrawals only taxed if withdrawn before age 59 ½; not required

No required minimum distributions


IRA Money MarketRates Effective: 5/6/2024

Rate Type
Dividend Rate APY*
$0 to $19,999.99 1.34 1.35
$20,000 to $99,999.99 1.34 1.35
$100,000 to $249,999.99 1.59 1.60
$250,000 to $499,999.99 2.23 2.25
$500,000 to $999,999.99 2.96 3.00
$1,000,000 + 3.45 3.51
View All Rates

*Annual Percentage Yield.
At our discretion, dividend rates are subject to change on the first business day of each week and the first business day of each month (unless otherwise noted).


See current Service Fee Schedule for additional information. Fees may reduce earnings.