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  • Individual Retirement Account (IRA)2019-10-28T11:56:00-06:00

    The Right IRA Yields for Your Retirement
    Supreme Accounts up to 1.50% APY1
    Certificates up to 2.60% APY2

    Find Your IRA

    Call 800.845.5025 to Get Started

    Earn x More By Choosing Connexus*

    Our Rates

    As High As % APY for IRA Supreme Account

    National Average

      % APY for

    Big Earnings

    You Can Earn x* More With Connexus

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    Features

    Versatile Options

    Traditional and Roth IRAs are available.

    High Yields

    Supreme Accounts earn up to 1.50% APY1 and Certificates earn up to 2.60% APY2.

    Fast Growth

    Your dividends are compounded quarterly.

    Reliable Protection

    Your money is federally insured by the NCUA.

    Traditional vs Roth

    Traditional IRAs

    These are potentially tax-deferred retirement plans. Your qualified contributions may be tax-deductible and can be made if you are below age 70 ½, as long as you have earned income. Taxes are paid on your funds at the time of withdrawal.

    Annual Contribution Limits

    IRA Contribution Limits
    20182019
    Age Under 50$5,500$6000
    Age 50 and Over$6,500$7000

    Roth IRAs

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 Funds are tax-free when they are withdrawn, unless you are taxed for early withdrawals penalties before age 59 ½.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

    Annual Contribution Limits

    IRA Contribution Limits
    20182019
    Age Under 50$5,500$6000
    Age 50 and Over$6,500$7000

    Account Options

    IRA Supreme Accounts

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

    Yields Available

    IRA Supreme Account Rates
    BalanceAPY1
    $10,000 and over1.50%
    $5,000 to $9,999.991.25%
    $2,000 to $4,999.991.00%
    $0 to $1,999.990.75%
    Accurate as of 4/15/2019

    Active checking1 is required to receive the above yields. See disclosures for active checking requirements.

    IRA Certificates

    These have a fixed rate and term with a fixed maturity. Certificates have a higher interest rate than an IRA Supreme Account, but you have to commit your money for a specified amount of time. Minimum deposit is $5,0002.

    Yields Available

    IRA Certificate Rates
    TermAPY2
    12 Months2.20%
    24 Months2.40%
    36 Months2.50%
    42 Months2.50% (42 month renewals only)
    60 Months2.60%
    Accurate as of 7/16/2019

    FAQs: You Asked. We Answered.

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    Disclosures

    See our Fee Schedule for a list of fees you may encounter.

    *  Accurate as of:  . Source: Datatrac.

    Because these accounts have different features and deposits are based on your personal tax situation, contact your tax or legal professional or the IRS for specific tax information about state or local income taxes. This is intended to provide general information on federal regulations pertaining to Traditional and Roth IRAs. It is not meant to provide legal advice or individual tax recommendations. IRA contribution limits are determined by the IRS and apply to any financial institution, not just Connexus.

    1 APY=Annual Percentage Yield. APY accurate as of 4/15/2019 and are subject to change. Connexus Credit Union membership required. Fees may reduce earnings. Active checking is defined as having at least one (1) Direct Deposit of net pay, including salary, wages, government benefits, or pension made to the account each month; having ten (10) checks, ACH withdrawals, and/or debit card transactions clear the account by the last business day of each month; and electing to receive eStatements. ATM transactions not included.

    APY = Annual Percentage Yield. Rates are accurate as of 7/16/2019 and are subject to change. Connexus Credit Union membership and $5,000 opening deposit required. A penalty will be imposed for early withdrawal. Fees may reduce earnings. Offer not valid on business or organization accounts.