An IRA may be the right investment option to help you meet your retirement goals.

Features of Individual Retirement Accounts (IRAs)

Traditional IRA and Roth IRAs available

Investment options include an IRA Share Account and Certificates of Deposit

Individual Retirement Accounts insured separately to $250,000

No monthly fees

No minimum balance

Account TypeMinimum Average Daily Balance to Earn stated APYRateAPY*
Prime Share Account$100.000.05%0.05%
Capital Account$1,000.000.10%0.10%
Vacation Club Accountnone0.05%0.05%
Christmas Club Accountnone0.05%0.05%
IRA Share Accountnone0.20%0.20%
Health Savings Accountnone0.20%0.20%


Last Dividend Declaration Date: 06/30/22
*The Annual Percentage Yield (APY) is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. The Dividend Rates and Annual Percentage Yields may change quarterly as determined by the Credit Union’s Board of Directors. The Dividend Rates and Annual Percentage Yields are the rates and yields as of the last dividend declaration date which is set forth in this Rate Schedule.  Please contact any branch office for further information concerning our Truth-In-Savings Disclosure.

CERTIFICATES OF DEPOSIT
Term
Minimum Opening DepositInterest RateAPY*
3 Month$500.000.15%0.15%
6 Month$500.000.25%0.25%
12 Month$500.002.50%2.52%
18 Month$500.002.75%2.78%
24 Month$500.003.00%3.03%
30 Month$500.003.00%3.03%
42 Month$500.000.65%0.65%


Effective Date: 10/06/22 through 10/12/22. Stated Interest Rates and APYs for terms of 12 months through 42 months are applicable to IRA Certificates of Deposit as well.
*The Annual Percentage Yield (APY) is a percentage rate that reflects the total amount of interest to be paid on an account based on the interest rate and frequency of compounding for an annual period. For all accounts, the Interest Rate and Annual Percentage Yield are fixed and will be in effect for the term of the account. The Annual Percentage Yield is based on an assumption that interest will remain on deposit until maturity. A withdrawal of interest will reduce earnings. Please contact any branch office for further information concerning our Truth-In-Savings Disclosure.