IRA Savings Account

Stack extra retirement cash now and live your best life later.




Enjoy more and worry less with an IRA account.

Whether retirement is near or you’re just starting to think about it, adding extra savings can really boost your comfort in retirement. You probably have a 401(k) through your job, which is a great start. But you can also save more with an IRA account. An IRA (Individual Retirement Account) is another way to put aside money for retirement, and it can offer extra tax benefits. By saving into an IRA on top of your 401(k), you can grow your retirement savings more and make your future even better!

Members Choice offers:

  • Traditional IRAs

    This is a savings account for retirement where you can put money in without paying taxes on it right away. You pay taxes on it when you take the money out later.

  • Roth IRAs
    This retirement savings account is where you pay taxes on your money before you put it in. The cool part? When you take the money out later, it’s tax-free!

Funds can be deposited into an IRA savings account or into an IRA Certificate of Deposit. 

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Open an IRA Savings Account at a Branch Near You


Current Credit Union IRA Rates


Dividend Rate* APY*
.25% .25%
 
IRA Standard CDs are balances $500.00 – $99,999.99. IRA Jumbo CDs are balances $100,000 and greater. Rate for IRA Jumbo CDs are the same as IRA Standard CDs.1
 
Term Dividend Rates APY*
6 Month Standard IRA CD  1.84% 1.86%
12 Month Standard IRA CD  2.08% 2.10%
18 Month Standard IRA CD  2.82% 2.86%
24 Month Standard IRA CD  
 3.06% 3.10%
36 Month Standard IRA CD 
 3.06% 3.10%
48 Month Standard IRA CD 
 2.82% 2.86%
60 Month Standard IRA CD  2.57% 2.60%
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Disclosures

*APY=Annual Percentage Yield. 
 
 
Rates effective December 1, 2024. Rates are subject to change at any time without notice. Fees may reduce earnings. On Certificates of deposit a penalty may be imposed for early withdrawal.
 
1 IRA CDs are not eligible for the Limited Time Promotional Rate or the CD Rate Boost Program.
 
If not currently a Members Choice member, a $5 deposit is needed to establish membership. All memberships are subject to approval including credit approval.