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Individual Retirement Accounts (IRA)

Boost your retirement savings and benefit from tax advantages.

In a few easy steps we can start your new IRA or transfer your existing IRA account from another financial institution. We offer two types of IRAs: Roth and Traditional IRA accounts.

To help you make the right choice we advise that you speak with your tax advisor first to see which option is most advantageous for your personal situation. Then we’ll help you figure out the rest. Invest your funds in a flexible IRA Passbook Savings account or lock in your funds for a higher rate on an IRA Certificate.

IRA Passbook Account (For balances of $2,000 or greater)

Minimum balance to earn dividends Dividend Rate APY*
$2,000 or less 0.00% 0.00%
$2,001 or more 0.20% 0.20%
*Annual Percentage Yield (APY). The minimum balance required to obtain the disclosed rate is $2,000. You have until December 31st of the year in which the account is opened to deposit sufficient funds to reach a minimum balance of $2,000. If you fail to reach that minimum balance by the required date, or to maintain that minimum balance after that date, your account may be closed. This rate is subject to change after the account is opened. A federal tax penalty may be imposed for early withdraw. Dividends will be compounded and credited monthly. Refer to Truth-in-Savings  disclosure for details. The Annual Percentage Yield (APY) is accurate as of March1, 2020.

IRA Share Certificate (For balances of $2,000 or greater)


Term Dividend Rate APY*
6 months 0.20% 0.20%
9 months 0.25% 0.25%
12 months 0.40% 0.40%
18 months .50% .50%
24 months .70% .70%
36 months .75% .75%
48 months .75% .75%
*Annual Percentage Yield  (APY.) The minimum balance required to obtain the disclosed rate is $2,000. Refer to Truth-in-Savings disclosure for details. **Special rates require new money deposits to earn APY. Federally insured by NCUA.
The Annual Percentage Yield (APY) is accurate as of March 5, 2020

How to Open Your Account

Apply online or stop into any branch location with a current State-Issued Picture ID or Matricula Consular.  To qualify for membership you must live or work in Southern Wisconsin or Northern Illinois and open a $5.00 Primary Savings (share) account to become a member.


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Your Insured Funds

Your savings federally insured through the National Credit Union Administration (NCUA) to at least $250,000 and backed by the full faith and credit of the United States Government. 

Click here for the Share Insurance Estimator to learn how share insurance rules apply to your accounts—what's insured and what portion (if any) exceeds coverage limits.

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Take advantage of our low introductory rate of 3.99% APR for 12 months plus no balance transfer fees!

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Download the FirstCCU Mobile App to access your account 24/7!

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