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 SavingsAccount BalanceRate/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 CertificatesTermRate/APYCalculator
Savings & IRA***
(Minimum $250)
6 Months4.00% / 4.06%Calculator
12 Months4.00% / 4.06%
24 Months 3.75% / 3.80%
36 Months3.50% / 3.55%
48 Months3.25% / 3.29%
60 Months3.00% / 3.03%
9 Months #4.69% / 4.77% Minimum $5,000 / New Money

Apply Now

-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

 

Apply Now

-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.