Individual Retirement Accounts

Are you saving enough for retirement? IRAs are special tax-deferred savings plans with great rates. There are three different types of IRAs to choose from depending on your needs: Traditional, Roth, and Coverdell Education Savings Accounts.

10-Month Tax Time Certificate Special
Account Term Preferred APY* APY Balance Dividends Compounded / Credited
10 Months 3.15%* $500 Daily / Monthly
* Maximum deposit $20,000. Requirements to earn 3.15% APY: activated e-Statements and Direct Deposit of at least $500 into your Market USA account. APY without Direct Deposit is 2.90% (requires activated e-Statements). Standard APY without Direct Deposit or e-Statements is 2.80%. Offer valid for a limited time only; one certificate special per SSN.
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Regular & IRA Certificate Rates
Account Term Preferred APY* APY Balance Dividends Compounded / Credited
12 Month Accumulator 1.01% $100 Daily / Monthly
3 Months 1.00% $500 Daily / Monthly
6 Months 1.50% $500 Daily / Monthly
12 Months 2.41% $500 Daily / Monthly
18 Months 2.46% $500 Daily / Monthly
24 Months 2.65% $500 Daily / Monthly
36 Months 2.81% $500 Daily / Monthly
48 Months 2.86% $500 Daily / Monthly
60 Months 3.06% $500 Daily / Monthly
*PREFERRED APY: The Preferred APY includes a 0.35% premium. Direct Deposits and e-Statements are required to receive this premium.
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IRA Savings Rates
APY Balance APY Dividends Compounded/Credited
$0.01 0.15% Monthly/Monthly
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Insured up to $250,000 by NCUA

Plan for retirement

Competitive Rates