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Individual retirement account

Build Your Retirement

Get up to 1.75% APY with dividends paid monthly

Apply Now

Individual retirement account

Build Your Retirement

Get up to 1.75% APY with dividends paid monthly

Apply Now
T

Traditional IRA

Earn now, pay later. A Traditional IRA is an individual retirement account. Contributions may be tax-deductible and grow on a tax-deferred basis while you earn dividends like a certificate with fixed terms of 6-36 months.

  • Open with $100 minimum deposit
  • Contributions may be tax deductible
  • Earnings are tax-deferred
  • Up to 1.75% APY with dividends paid monthly
  • Automatic renewal at maturity
Learn More
R

Roth IRA

Pay now, save later. A Roth IRA is an individual retirement account. Fewer age restrictions allow you to keep contributing so your account can continue to grow with tax-free earnings and distributions.

  • Earnings and distributions are tax-free
  • No age limit on contributions
  • No required distribution at age 72
  • Up to 1.75% APY with dividends paid monthly
  • Automatic renewal at maturity
Learn More

Please consult your tax advisor for possible tax benefits associated with a Members 1st Credit Union Traditional or Roth IRA.

Rates

IRA Amounts

APY

IRA Amounts

APY

$100-$2,499

6 Months

12 Months

18 Months

24 Months

36 Months

Apply Now

0.45%

0.60%

0.70%

0.80%

0.85%

$2,500-$24,999

6 Months

12 Months

18 Months

24 Months

36 Months

Apply Now

0.45%

0.60%

0.70%

0.80%

0.85%

IRA Amounts

APY

IRA Amounts

APY

$25,000-$99,999

6 Months

12 Months

18 Months

24 Months

36 Months

Apply Now

0.50%

0.65%

0.75%

0.85%

0.90%

$100,000+

6 Months

12 Months

18 Months

24 Months

36 Months

Apply Now

0.55%

0.70%

0.80%

0.90%

0.95%

Special IRA Promotion

APY

Special IRA Promotion

APY

7-Month Certificate

$100 Minimum Deposit Apply Now

1.00%

15-Month Certificate

$100.00 Minimum Deposit Apply Now

1.75%

Interest is paid at the end of the month to the certificate or to a savings/flex checking account.
*May be subject to penalty for early withdrawal

IRA Amounts

APY

IRA Amounts

APY

$100-$2,499

6 Months

12 Months

18 Months

24 Months

36 Months

Apply Now

0.45%

0.60%

0.70%

0.80%

0.85%

$2,500-$24,999

6 Months

12 Months

18 Months

24 Months

36 Months

Apply Now

0.45%

0.60%

0.70%

0.80%

0.85%

$25,000-$99,999

6 Months

12 Months

18 Months

24 Months

36 Months

Apply Now

0.50%

0.65%

0.75%

0.85%

0.90%

$100,000+

6 Months

12 Months

18 Months

24 Months

36 Months

Apply Now

0.55%

0.70%

0.80%

0.90%

0.95%

Interest is paid at the end of the month to the certificate or to a savings/flex checking account.
*May be subject to penalty for early withdrawal

Special IRA Promotion

APY

Special IRA Promotion

APY

7-Month Certificate

$100 Minimum Deposit Apply Now

1.00%

15-Month Certificate

$100.00 Minimum Deposit Apply Now

1.75%

Earn a rate of 1.75% APY* for 15 months or 1.00% APY* for 7 months

Get this limited-time IRA rate.
Apply Now

Offer available for a limited time and subject to change. $100 minimum deposit. Penalty imposed for early withdrawal.

How to Open an IRA

  1. Visit your nearest branch to open your IRA
  2. Choose your desired term and APY
  3. Deposit money to fund your IRA
  4. Download the mobile app to track your savings progress
Eligible to all Butte, Glenn, Shasta, and Tehama County residents. Join Now

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