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individual retirement account (IRA)

Start exploring your options and kickstart your journey for how and when you want to retire.

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start saving for retirement

Ready to find the perfect account for your retirement goals? Our IRA banking options offer a range of tailored retirement accounts, including Traditional and Roth IRAs, Education IRAs, IRA Money Market, IRA Certificates, and Ladder IRA Certificates.

Share and IRA Certificates
Effective Date: December 01, 2024
Type Dividend Rate APY1 APY with Bonus Rate2 test header
12 Month Special 3.844% 3.90% 4.00%
24 Month Special 3.357% 3.40% 3.50%
60 Months 2.673% 2.70% 2.80%
48 Months 2.575% 2.60% 2.70%
36 Months 2.526% 2.55% 2.65%
24 Months 2.477% 2.50% 2.60%
18 Months 2.477% 2.50% 2.60%
12 Months 2.084% 2.10% 2.20%
6 Months 1.492% 1.50% 1.60%
3 Months 0.996% 1.00% 1.10%

Highlighted rows are current specials.

[1] Annual Percentage Yield (APY) accurate as of the effective date above. [2] Bonus rate of 0.10% APY when the owner of this account who will receive the tax statement (the “Tax Reported Owner”) is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00. Minimum balance for consumer is $500. A penalty may be charged for early withdrawal. Fees may reduce earnings on the account.

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An IRA Certificate provides a great avenue for saving towards retirement with guaranteed returns. With flexible terms starting at just 3 months, you have the freedom to choose the investment duration that aligns with your financial goals. Additionally, starting with a minimum investment of $500, IRA Certificates offer accessibility to you at various stages of your retirement planning journey, plus, there are possible tax advantages3

features

  • Returns: Secure your retirement savings with guaranteed returns.
  • Customizable Terms: Tailor your investment duration with terms starting at 3 months.
  • Tax Benefits: Explore potential tax advantages for your contributions.3
  • Balance: A minimum balance of $500 is required.
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IRA Money Market
Effective Date: December 01, 2024
Minimum Amount Don't use Dividend Rate APY1 test header 2
$0 0.000% 0.00%
$1,000 0.100% 0.10%
$100,000 0.200% 0.20%
$250,000 0.300% 0.30%
[1] Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Fees may reduce earnings on the account.

An IRA Money Market account offers the advantage of earning competitive rates starting at $1,000, helping your retirement savings grow steadily. With its tiered structure, this account guarantees the best rate for your balance, providing a secure and accessible option for members who seek both stability and growth in their retirement portfolio.

features

  • Competitive Rates: Earn competitive Money Market rates starting at $1,000.
  • Tiered Account: Tiered account ensuring the best rate for your balance.
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additional IRA options

Traditional IRA

Traditional IRAs defer taxes on your money until you take it out at age 59 ½ or older. Contributions to a Traditional IRA may be tax-deductible.3

Roth IRA

Roth IRAs can grow tax-free. So, if you think you’re going to be in a higher tax bracket when you’re 59 ½, changing things over to a Roth IRAs may be best.

Education IRA

An Education IRA is a good idea if you want to save up for your child’s college expenses. You can save up to $2,000 per child and withdrawals are tax-free when used for their education costs. But, contributions are not tax-deductible.

Ladder IRA Certificate

So, Ladder IRA Certificates are 5-year certificates with a term built into five certificates. The terms are 1-5 years at the regular certificate rate. Each maturing certificate automatically renews into a 5-year certificate or has the option of being redeemed. The minimum balance requirement on these is $5,000.

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[1] Annual Percentage Yield (APY) accurate as of the dates posted on this page. Rates subject to change.

[2] Bonus rate of 0.10% APY when the owner of this account who will receive the tax statement (the “Tax Reported Owner”) is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00. A penalty may be charged for early withdrawal. Rates may change after account is opened. Fees may reduce earnings on the account.

[3] For specific tax advice, please consult your tax advisor.

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