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

Account Type

Dividend Rate

Traditional Share Accounts

0.10%

APY*

0.10%

Roth/Education Share Accounts

0.10%

APY*

0.10%

IRA Certificates – Minimum Investment $1,000

Certificate Terms

Dividend Rate

9-Month Roth/Traditional/Educational 

4.78%

APY*

4.90%

11-Month Roth/Traditional/Educational

4.88%

APY*

5.00%

12 Month Roth/Traditional/Educational

2.25%

APY*

2.28%

24 Month Roth/Traditional/Educational

2.40%

APY*

2.43%

36 Month Roth/Traditional/Educational

3.15%

APY*

3.20%

48 Month Roth/Traditional/Educational

3.40%

APY*

3.46%

60 Month Roth/Traditional/Educational

3.90%

APY*

3.98%

*APY=Annual Percentage Yield
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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.

Email Us

How much can I contribute each year?

  • Contributions are up to $6,000 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

Traditional & Roth IRAs

An IRA can help you save for retirement.

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Traditional IRAs

Save for your retirement with a Traditional IRA.

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Roth IRAs

Prepare for your future with a Roth IRA.

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Transfers, Rollovers, and Conversions

Move your retirement savings without losing tax benefits.

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IRA and Retirement Plan Distributions

Is it time to cash in on your retirement savings?

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Inherited IRAs

Understand your beneficiary distribution options.

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Retirement Plans For Your Business

Find the right retirement plan for your business.

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Simplified Employee Pension Plans (SEP IRAs)

There's a plan for your business.

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Coverdell Education Savings Accounts (ESAs)

Help the child in your life achieve a bright future.

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*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.