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 | 3.75% / 3.80% | Calculator |
| 12 Months | 3.50% / 3.55% | ||
| 24 Months | 3.25% / 3.29% | ||
| 36 Months | 3.00% / 3.03% | ||
| 48 Months | 3.00% / 3.03% | ||
| 60 Months | 3.00% / 3.03% | ||
| 9 Months # | 4.30% / 4.37% | New Money - $5,000 Minimum Deposit | |
| 11 Months # | 4.80% / 4.89% | New Money - $100,000 Minimum Deposit |
-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.
