
Individual Retirement Accounts (IRAs)
Invest in the next step.
Enjoy high yields and fast growth with our retirement accounts.
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Connexus IRA Accounts
Choose the retirement account that works for your unique timeline and goals.
IRA Certificates
These Certificates offer a fixed yield and term with a fixed maturity.
Bump-Up IRA Certificate
The Bump-Up IRA Certificate yields offer the option to bump the rate once during the term.
Term | APY3Dividend rate |
24 months | 2.00%1.985% |
Accurate as of 10/07/2025 |
IRA Savings Accounts
These accounts have variable interest and no fixed term. Plus, there’s no minimum opening deposit required.
Balance | APY4Dividend rate |
$10,000 and over | 0.40%0.399% |
$0 to $9,999.99 | 0.25%0.250% |
Accurate as of 10/07/2025 |
Connexus IRA Accounts
Choose the retirement account that works for your unique timeline and goals.
IRA Certificates
These Certificates offer a fixed yield and term with a fixed maturity.
Bump-Up IRA Certificate
The Bump-Up IRA Certificate yields offer the option to bump the rate once during the term.
Term | APY3 |
---|---|
24 months | 2.00% |
Accurate as of 10/07/2025 |
IRA Savings Accounts
These accounts have variable interest and no fixed term. Plus, there’s no minimum opening deposit required.
Balance | APY4 |
---|---|
$10,000 and over | 0.40% |
$0 to $9,999.99 | 0.25% |
Accurate as of 10/07/2025 |
Features
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
Age | 2024 | 2025 |
Under 50 | $7,000 | $7,000 |
50 and Over | $8,000 | $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 Funds are tax-free when withdrawn unless you are taxed for early withdrawal penalties before age 59 ½.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
Age | 2024 | 2025 |
Under 50 | $7,000 | $7,000 |
50 and Over | $8,000 | $8,000 |