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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 you to speak with your tax advisor first to see which option is most advantageous for your given 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 $250 or greater)

Minimum balance to earn stated APY* Dividend Rate Annual Percentage Yield (APY)
$2,000 or less .10% .10%
$2,001 or more .30% .30%
The Annual Percentage Yield (APY) is accurate as of August 12, 2017
*APY=Annual Percentage Yield. The minimum balance to open and obtain the APY is $1.00. You have until December 31st of the year in which the account is opened to deposit sufficient funds to reach a minimum balance of $250. 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. Please refer to the Account Disclosure for more details.

IRA Share Certificate (For balances of $1,000 or greater)

CURRENT RATES 

Term Dividend Rate Annual Percentage Yield (APY)
6 month .20% .20%
9 month .50% .50%
12 month .85% .85%
18 month 1.10% 1.10%
18 month - All New Money 1.65% 1.66%
24 month 1.15% 1.16%
24 month - All New Money 1.75% 1.76%
36 month 1.20% 1.21%
48 month 1.25% 1.26%
The Annual Percentage Yield (APY) is accurate as of August 12, 2017
*Annual Percentage Yield = APY. The minimum balance required to open this account and to obtain the disclosed APY is $1,000. Please refer to the Account Disclosure for more details.
Federally insured by NCUA.

How to Open Your Account

Opening an account is easy just stop into any branch location with a current State-Issued Picture ID or Matricula Consular.  To qualify for membership you just have to live or work in Southern Wisconsin or Northern Illinois. Note that to make you a member of the credit union you will need to open a $5.00 Primary Savings (share) account.  

Find your nearest branch location.  

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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