It is never to early to start saving for your future. An Individual Retirement Account (IRA) might be exactly what you’re looking for.
Traditional IRA
- No minimum balance
- Earn Dividends on balances of $100 or greater
- No monthly service charge
- Insured by NCUA
- Dividends compounded daily and paid quarterly
- Contributions may be tax deductible*
- Qualifies for a Patronage Dividend
IRA Savings | Account Balance | Rate/APY |
---|---|---|
$0 to $99 | .00% / .00% |
|
$100 - $5,000 | .25% / .25% | |
$5,001 - $20,000 | .25% / .25% | |
$20,001 - $50,000 | .50% / .50% | |
$50,001+ | .75% / .75% |
Term Certificates | Term | Rate/APY | Calculator |
---|---|---|---|
Savings & IRA*** (Minimum $250) | 6 Months | 4.00% / 4.06% | Calculator |
12 Months | 4.00% / 4.06% | ||
24 Months | 3.75% / 3.80% | ||
36 Months | 3.50% / 3.55% | ||
48 Months | 3.25% / 3.29% | ||
60 Months | 3.00% / 3.03% | ||
9 Months # | 4.69% / 4.77% | Minimum $5,000 / New Money |
-or-
Text or Call Us – we take applications by phone during branch hours (716) 632-9328.
Roth IRA
- No minimum balance
- Earn Dividends on balances of $100 or greater
- No monthly service charge
- Convenient deposit options
- Insured by NCUA
- Dividends compounded daily and paid quarterly
- Contributions are not tax deductible, but your earnings and withdrawals are generally tax-free*
- Qualifies for a Patronage Dividend
-or-
Call Us – we take applications by phone during branch hours (716) 632-9328.
*Always talk with your tax advisor to help you determine the IRA that is right for you.