Gain Financial Strength with an IRA.*
- Traditional – offers tax-deferred growth
- Roth – allows you to withdraw funds tax-free
- Education – offers tax-free withdrawals to pay for higher education
- No setup, maintenance, or closing fees
- No annual fees
- Rollover into an IRA at no cost
- Excellent Annual Percentage Yields available
IRA Rates
IRA Investment Account – Minimum Investment $100
IRA Certificates – Minimum Investment $1,000
| Certificate Terms | Dividend Rate | APY* |
|---|---|---|
| 5 Month Roth/Traditional/Educational | 4.16% | 4.25% |
| 12 Month Roth/Traditional/Educational | 2.25% | 2.28% |
| 24 Month Roth/Traditional/Educational | 2.40% | 2.43% |
| 30 Month Roth/Traditional/Educational | 3.92% | 4.00% |
| 36 Month Roth/Traditional/Educational | 3.00% | 3.05% |
| 48 Month Roth/Traditional/Educational | 3.15% | 3.20% |
| 60 Month Roth/Traditional/Educational | 3.25% | 3.30% |
| 84 Month Roth/Traditional/Educational | 3.35% | 3.41% |
*APY=Annual Percentage Yield
Contact us to open your IRA today!
Call your Credit Union representative at 800.873.5100 or email us at serviceplus@ithinkfi.org for more information.
How much can I contribute each year?
- Contributions are up to $7,000 for Traditional IRAs and Roth IRAs
- Contributions are up to $2,000 for Education IRAs
- Special $1,000 increase for ages 50+
IRA Resources
Click here for additional IRS information and to download current tax forms.
Calculators Use our financial calculators to figure out how much you need to save for retirement and more.
IRA Brochures
*APY=Annual Percentage Yield. $1,000.00 minimum opening balance required. All iTHINK Financial Individual Retirement Accounts (IRA) are subject to address and identification verification and approval. Certain terms and conditions may apply. Please refer to Important Information for Our Members and Membership Fees & Service Charges or contact a Member Service Advisor for details the fees, penalties, terms and conditions that may apply.