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IRA Savings


Give your retirement a head start

Saving for your retirement is important, and we've got options to fit your goals.

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Traditional IRA Retirement Savings Accounts

With Traditional IRA accounts, your earnings (dividends) are tax-deferred and your contributions are often tax-deductible (consult your tax professional to see if you are eligible).

Roth IRA Retirement Savings Accounts

With Roth IRA accounts, your contributions are made after tax, and those contributions will be tax-free when withdrawn from retirement. Your earnings (dividends) are tax-deferred and may be tax-free when withdrawn after five years and a qualifying event, such as turning 59 ½. Regular contributions may be withdrawn tax-free at any time.

IRA Savings Rates

Get the same great rates whether you choose a Traditional or Roth IRA account:

ProductMinimum BalanceDividend RateDividend Rate with 2,500 Co-op PointsAnnual Percentage Yield (APY)APY with 2,500
Co-op Points
IRA Savings AccountNo Minimum Balance0.03% 0.03% 
90 Days FixedOver $5001.00%1.25%1.00%1.25%
6 Month FixedOver $5004.75%5.00%4.85%5.11%
9 Month FixedOver $5004.75%5.00%4.85%5.11%
12 Month FixedOver $5004.50%4.75%4.59%4.85%
15 Month FixedOver $5004.50%4.75%4.59%4.85%
18 Month FixedOver $5004.25%4.50%4.33%4.59%
22 Month FixedOver $5004.25%4.50%4.33%4.59%
24 Month FixedOver $5003.75%4.00%3.82%4.07%
29 Month FixedOver $5003.75%4.00%3.82%4.07%
36 Month FixedOver $5003.75%4.00%3.82%4.07%
48 Month FixedOver $5003.00%3.25%3.04%3.30%
60 Month FixedOver $5003.00%3.25%3.04%3.30%
Rates subject to change at any time. Rates effective as of June 7, 2024.

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