Individual Retirement Accounts (IRAs)


An IRA is a must-have for a better retirement, and the knowledgeable team at our credit union is here and ready to help you plan for your future.

An IRA is a fully-insured, open-ended tax-advantaged investment account with no term commitment, and it’s a great tool for building personal wealth. We offer both individual IRAs, Roth IRAs, educational IRAs, and spousal IRAs (even if your spouse does not work).

Our members can benefit from:

  • Variable rates
  • Quarterly dividends
  • Tax benefits
  • Low administrative fees

Early withdrawals are subject to IRS penalties.

How to Apply


Open a new IRA by contacting us. Just remember – all investment account holders must also have a funded savings account.

If you have any questions, please call our main office at (585) 546-4279. 

Our Rates

Effective as of: August 29, 2022

Rate
APY*
Individual Retirement Account
0.05%
0.05%