Retirement Savings Without the Market Rollercoaster
Traditional or Roth, IRA Savings or an IRA Share Certificate earning up to 3.75% APY* on an 18-month term. Federally insured by NCUA up to $250,000, so the number only moves in one direction.
Pick the IRA That Fits How You Save
Want flexibility? IRA Savings takes contributions any time. Want the best rate? Lock a certificate. Either way, choose Traditional for a possible deduction now or Roth for tax-free withdrawals later.
IRA Savings
Best if you want to contribute a little at a time
- Open with any amount, add any time
- Traditional or Roth
- Move funds into certificates when you are ready
- NCUA insured up to $250,000
IRA Share Certificate
Best if you want a locked, guaranteed rate
- Rate guaranteed for the full term
- Terms from 12 to 48 months
- Traditional or Roth
- NCUA insured up to $250,000
IRA Rates at a Glance
Dividends, not interest: as a member you share in ACU's earnings. Rates subject to change; see the full schedule for today's figures.
From the current Deposit Rate Schedule
| Account / Term | Minimum | APY* |
|---|---|---|
| IRA Savings | $0 | 0.10% |
| IRA Certificate, 12 month | $1,000 | 3.55% |
| IRA Certificate, 18 month | $1,000 | 3.75% |
| IRA Certificate, 23 month | $1,000 | 0.50% |
| IRA Certificate, 33 month | $1,000 | 0.60% |
| IRA Certificate, 48 month | $1,000 | 1.00% |
Steady, Insured, and Handled for You
Market accounts can outrun certificates in good years. They can also lose a decade of gains in a bad one. An ACU IRA is the part of your retirement that never goes backward.
Insured Separately up to $250,000
NCUA insures your IRA funds separately from your other ACU deposits. A certificate cannot lose value the way a market account can.
A Rate You Can Plan Around
Certificate rates are guaranteed for the full term. You know the exact value of your account on the day it matures.
We Do the Paperwork
IRAs come with more forms than a regular account. Sit down with us and we handle the setup, the transfer, or the rollover with you.
Tax Advantages Both Ways
Traditional contributions may lower this year's taxes. Roth withdrawals can be tax free in retirement. Your tax advisor can point you to the right one.**
Watch It Grow, 24/7
Check your IRA balance any time in online banking, the ACU Mobile App, or the Phone Teller audio response system.
A Person, Not a Portal
Every branch can open, transfer, or answer questions about your IRA. Retirement money deserves a conversation, not a chatbot maze.
Three Steps to Your IRA
Schedule a Visit
Book an appointment at any branch and select "Establish New Business Estate, Trust, Specialty" as the appointment type, or just walk in.
Choose Your Setup
Traditional or Roth, Savings or Certificate. We walk through the options and complete the paperwork with you on the spot.
Fund and Grow
Fund with a contribution, a transfer from another IRA, or a 401(k) rollover from a former employer. Then watch it compound.
“When my old employer's 401(k) needed a home, ACU sat with me for an hour and moved it into an 18-month certificate. No sales pitch, no jargon, and I know exactly what it will be worth at maturity.”
Frequently Asked Questions
Important Disclosures
*APY = Annual Percentage Yield. APYs reflect the current Deposit Rate and Fee Schedule and are subject to change without notice; see the deposit rates page for today's figures and effective date. IRA Share Certificates require a $1,000 minimum opening balance. Fees and penalties may be imposed for early withdrawal and may reduce earnings. All offers require membership.
**This page is general information, not tax advice. Consult your tax advisor about Traditional and Roth eligibility, deductibility, and contribution limits for your situation. Federally insured by NCUA; IRA funds are insured up to $250,000 separately from other share accounts.
The Best Day to Start Was Yesterday. The Second Best Is Today.
An hour at a branch is all it takes to put your retirement savings somewhere insured, predictable, and working.
Schedule an Appointment