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IRAS

Build Your Retirement

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IRAS

Build Your Retirement

Apply Now
T

Traditional IRA Certificate

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 $1,000 minimum deposit
  • Contributions may be tax deductible
  • Earnings are tax-deferred
  • Up to 0.80% APY with dividends paid monthly
  • Automatic renewal at maturity
Learn More
R

Start saving with a 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 0.80% 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.

How to Get Started

  1. Visit your nearest branch to open your IRA
  2. Choose your desired term and APY
  3. Coordinate a deposit to fund your IRA
  4. Download the mobile app to track your savings progress

Rates

APY*

Rates

APY*

$1,000-$2,499

6 Months

12 Months

18 Months

24 Months

36 Months

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0.30%

0.45%

0.50%

0.65%

0.70%

$2,500-$24,999

6 Months

12 Months

18 Months

24 Months

36 Months

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0.30%

0.45%

0.50%

0.65%

0.70%

$25,000-$99,999

6 Months

12 Months

18 Months

24 Months

36 Months

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0.35%

0.50%

0.55%

0.70%

0.75%

$100,000+

6 Months

12 Months

18 Months

24 Months

36 Months

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0.40%

0.55%

0.60%

0.75%

0.80%

Learn More

Interest is paid at the end of the month to the certificate.
*May be subject to penalty for early withdrawal

Eligible to all Butte, Glenn, Shasta, and Tehama County residents. Join Now

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