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Individual Retirement Accounts

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IRAs

Individual Retirement Account savings or certificates earn a higher rate of interest. Choose Traditional or Roth IRA for tax deferred or tax free earnings and save towards retirement without risking the principal balance. Use IRAs to start building your nest egg, diversify your existing IRA investments, ladder maturities with certificates, or rollover a current IRA.

the details:

  • Traditional or Roth IRA
  • $5 minimum to open IRA Savings
  • Establish recurring deposits to IRA Savings
  • $1,000 minimum to open IRA Certificates
  • Higher rates on IRA Savings and IRA Certificates
  • IRA Contribution Limits
  • Dividends paid monthly
  • Early withdrawal penalties apply to IRA Certificates
  • No setup or transfer fees
  • No monthly or annual administration fee
  • Mobile and Online access
  • eStatements

Individual Retirement Accounts carry additional Federal insurance by the National Credit Union Administration.

Setup is a snap – Request an IRA Contribution form, visit our branch, call 800.986.3669, or email connect@srifcu.org!

Rates effective 06/01/2025

IRA Certificate Rates

IRA Certificate RatesAPY (Estimate)
1 Year4.05%
2 Year4.00%
3 Year3.75%
4 Year3.75%
5 Year4.00%
APY Annual Percentage Yield
Annual IRA Plan contribution limits:
2023 = $6,500 (or $7,500 if age 50 or older)
2024 = $7,000 (or $8,000 if age 50 or older)

IRA Savings Rates

IRA Savings RatesAPY (Estimate)
3.25%
APY Annual Percentage Yield
Annual IRA Plan contribution limits:
2023 = $6,500 (or $7,500 if age 50 or older)
2024 = $7,000 (or $8,000 if age 50 or older)

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Federally Insured by NCUA

Equal Housing Lender

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