Are you financially prepared for retirement?

Be Prepared to Retire

Family and job responsibilities keep us busy for decades–so busy that time seems to pass like a dream. Retirement is the time to stop and smell the roses. Make sure you’re ready to be financially independent or retirement will become a time of worry and stress. Don’t wait until tomorrow to start thinking about retirement. The time to start saving is now, while time and the earning power of dividends is on your side.


  • Spend More Time with Loved Ones. The more money you save for retirement, the earlier you can retire and spend more time with family and friends.
  • Feel Accomplished. Setting a goal and hitting it makes you feel like a champ.
  • Live the Dream. You probably have a bucket list of things you’ve wanted to do all your life. Retirement is the time to live your dreams! Start saving for those moments.
  • Grow Money with Tax Benefits. Earn interest your savings, plus enjoy tax advantages.

Members are often surprised when they find out we offer retirement solutions. Whether you’re just starting out, rolling over an old 401k from a past employer or looking to get a tax advantaged contribution, we have a retirement specialist available to answer all of your questions to help make retirement a reality.

Individual Retirement Accounts Rates

$500 - $24,999.991.45%1.46%
$25,000 - $49,999.991.45%1.46%
$50,000 - $74,999.991.65%1.66%
$75,000 and over1.75%1.76%

APY = Annual Percentage Yield. Fees could reduce earnings on your account. Dividend rates may change at any time.

Updated June 22, 2024

IRA Term Share Accounts Rates

12 Months3.75%3.80%
18 Months2.75%2.78%

APY = Annual Percentage Yield. Minimum Opening Deposit is $500.00.

Updated June 22, 2024


The accuracy of our calculators and their applicability to your circumstances are not guaranteed. You should consult with a qualified professional regarding your particular circumstances.

Interest Rate
Times Compounded / Yr
Total Savings$


Balance under $500$5 per qtr
Account Closure Fee$25
Other fees may apply. Refer to our full fee schedule for further information. Fees could reduce earnings on your account.

Frequently Asked Questions

Are IRA accounts insured?

Individual retirement accounts (IRAs) and KEOGH accounts are insured separate from other accounts and up to $250,000 per institution, including principal and posted dividends.

What is the minimum amount I can put in an IRA CD?

The minimum deposit in an IRA CD is $500. If you have less than that amount to start, we suggest opening and IRA Share to start accumulating your retirement savings.

Make Your Golden Years as Good as Gold

Retirement shouldn’t be a guessing game. Sit down and talk with us about your savings opportunities, and put yourself on the right track to financial independence!