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Individual Retirement Accounts (IRAs)

Make progress with a high-yield IRA.

Enjoy 4.96% APY‍2 on a 12-month Jumbo Certificate.‍

Questions? We can help.

Connexus IRA Accounts

Choose the retirement account that works for your unique timeline and goals.

IRA Share Certificates

These Certificates offer a fixed yield and term with a fixed maturity.

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Bump-Up IRA Share Certificate

The Bump-Up IRA Share Certificate yields offer the option to bump the rate once during the term.

IRA Certificate – Bump-up Rates
24 months4.06%
Accurate as of 06/13/2024
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IRA Savings Accounts

These accounts have variable interest and no fixed term. Plus, there’s no minimum opening deposit required.

IRA Savings Account Rates – New
$10,000 and over0.40%
$0 to $9,999.990.25%
Accurate as of 06/13/2024
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Versatile options

Traditional and Roth IRAs are available.

Fast growth

Your dividends are compounded quarterly.

Reliable protection

Your money is federally insured by the National Credit Union Administration (NCUA) to at least $250,000. Learn more at

Traditional vs Roth

Traditional IRAs

These are potentially tax-deferred retirement plans. Your qualified contributions may be tax-deductible and can be made at any age, as long as you have earned income. Taxes are paid on your funds at the time of withdrawal.

Annual contribution limits for Traditional IRAs

IRA Contribution Limits
Under 50$6,500$7,000
50 and Over$7,500$8,000

Roth IRAs

Roth IRA contributions are made with after-tax dollars. Funds are tax-free when withdrawn unless you are taxed for early withdrawal penalties before age 59 ½. As long as you have earned income, contributions can be made at any age.

Annual contribution limits for Roth IRAs

IRA Contribution Limits
Under 50$6,500$7,000
50 and Over$7,500$8,000

FAQs: You asked. We answered.

How do I open a Traditional or Roth IRA?

To apply for a Traditional or Roth IRA, please call our Member Contact Center at 800.845.5025, and we’ll help you get started.

I don’t know which IRA is right for me. How can I figure that out?
To determine which IRA is best for you, please consult your tax professional.
Can I still contribute to my Traditional IRA if I make too much money for an IRA tax deduction?
Yes. There are no income limits to make contributions to a Traditional IRA. However, it is possible to be affected by filing status and participation in an employer retirement plan. Contributions must not exceed IRS limits. For more details or visit
What is the maximum I can contribute to my Roth IRA?
Your annual Roth IRA contributions cannot exceed your annual compensation or the limits set by the IRS, whichever is less. See a tax professional for more details or visit for IRS limits.
Can I contribute to both a Traditional and a Roth IRA?
Yes, as long as you do not exceed the contribution limits set by the IRS. See a tax professional for more details of visit for IRA limits.