Gain tax-saving advantages while securing a strong foundation for your retirement. There are no setup fees to get your IRA started with ACCU, and it only takes a $50 deposit to open. We make it easy to get started, so you can finish strong.

  • Tax-advantaged retirement savings
  • Competitive dividends above standard savings rates
  • Traditional and Roth IRAs available
  • No setup or maintenance fees
  • $5,500 contribution limit per year
  • Additional $1,000 "catch-up" contribution allowed for ages 50+
  • $50 minimum deposit to open
  • IRA Certificates also available
    • $500 minimum to open
    • 1-year to 5-year terms
Traditional vs. Roth

There are advantages to both traditional and Roth IRAs. One of the biggest differences is when you see the most advantage. A traditional IRA provides potential tax relief today, while a Roth IRA has the potential for the most tax benefit at time of retirement.

Traditional IRA

  • No income limits to open
  • Contributions are tax deductible on state and federal income tax*
  • Earnings are tax deferred until withdrawal (when usually in lower tax bracket)
  • Withdrawals can begin at age 59½
  • Early withdrawals subject to penalty**
  • Mandatory withdrawals at age 70½

Roth IRA

  • Contributions are NOT tax deductible
  • Earnings are 100% tax free at withdrawal
  • Principal contributions can be withdrawn without penalty*
  • Withdrawals on interest can begin at age 59½
  • Early withdrawals on interest subject to penalty**
  • No mandatory distribution age

*Subject to some minimal conditions. Consult a tax advisor.

**Certain exceptions apply, such as healthcare, purchasing first home, etc.

Get Started

If you are ready to open your IRA account follow these easy steps: 

Our dedicated IRA representatives are ready to assist you at 1-800-343-6328 or

Federally insured by the National Credit Union Administration to $250,000.

Excess coverage for consumer accounts up to $200,000 by American Share Insurance.

Personal Individual Retirement Accounts See Details

Individual Retirement AccountsMinimum BalanceDividend RateAPYRate TypeCompounded/Paid
Share/Savings $50 0.25% 0.25% Variable Quarterly
12 Month $500 0.85% 0.85% Fixed Quarterly
24 Month $500 1.25% 1.26% Fixed Quarterly
36 Month $500 1.55% 1.56% Fixed Quarterly
48 Month $500 1.95% 1.96% Fixed Quarterly
60 Month $500 2.25% 2.27% Fixed Quarterly

IRA deposits are insured separately from other deposits to $250,000 by the NCUSIF and to $200,000 by ASI. That means your IRA investment is insured up to a combined total of $450,000. Minimum Balance is required to open IRA and earn dividend and APY. IRA Accounts are subject to a penalty for early withdrawal.