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Traditional IRA

Individual Retirement Accounts (IRA)

With this share certificate, it’s all up to you. Pick your term — anywhere from 3 to 60 months. You can earn dividends as often as once a month, depending on your term.

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Flexible IRA (includes Traditional, Roth, and CESA IRAs)
Balance Range for Dividends* Nominal Rate/APY**
$0.00 to $99.99 0.00% / 0.00%
$100.00 to $4,999.99 0.20% / 0.20%
$5,000.00 to $9,999.99 0.35% / 0.35%
$10,000.00 or more 0.45% / 0.45%

IRA products can only be opened in branch.

*Average daily balance of $100 must be maintained to earn dividends. Dividends paid monthly.

** APY = Annual Percentage Yield


Product Details

  • You are able to defer taxes on the earnings of your contributions until they are withdrawn.
  • Certain contributions may be tax deductible in the tax year that they are made.
  • If you are younger than 70 ½ for the entire tax year and have earned income, or your spouse has earned income, you are eligible.

Ready to get started?

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For complete details on IRA limits and requirements, please consult with a CUA representative.

*Average daily balance of $100 must be maintained to earn dividends. Dividends paid monthly.

**APY = annual percentage yield