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Roth IRA
Boost your retirement with tax-free savings.
Benefit from decades of tax-free, compounded growth with a high-interest Roth IRA. When your investments earn interest, that amount gets added to your account balance, compounding your interest and dividends over time. Opt for a Roth IRA if you anticipate your tax bracket being higher when you begin taking withdrawals. Contribute income or compensation, of any kind, and realize tax-free gains.
- Pay no monthly service charge
- Open with $100 minimum balance (Share) or $1,000 (Certificate)
- Contribute up to $6,500 per year if you’re under 50, $7,500 if over 50
- Earn a bonus rate on all certificates over $50,0002
- Make contributions at any age with qualifying earned income
- Enjoy tax-free and penalty-free withdrawals after age 59½ from accounts open for at least five years
- No minimum distributions to meet
- Income-free withdrawals for Roth IRAs signed over to heirs
IRA Rates
Rates accurate as of 11/21/2024
All rates and terms subject to change without notice.
| Type | Dividend Rate | APY* |
|---|---|---|
| IRA Share ($100 minimum) | 0.200% | 0.20% |
| 12 Months ($1,000 minimum) | 2.960% | 3.00% |
| 24 Months ($1,000 minimum) | 3.008% | 3.05% |
| 36 Months ($1,000 minimum) | 3.057% | 3.10% |
| 48 Months ($1,000 minimum) | 3.203% | 3.25% |
| 60 Months ($1,000 minimum) | 3.300% | 3.35% |
