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Individual retirement account

Build Your Retirement

Get up to 4.50% APY with dividends paid monthly

Apply Now

Individual retirement account

Build Your Retirement

Get up to 4.50% 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 4.50% 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 4.50% 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

Special IRA Promotion

APY

Special IRA Promotion

APY

7-Month Certificate

$100 Minimum Deposit

4.50%

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IRA Amounts

APY

IRA Amounts

APY

$100-$2,499

6 Months

12 Months

18 Months

24 Months

36 Months

2.70%

2.85%

2.95%

3.05%

3.10%

$2,500-$24,999

6 Months

12 Months

18 Months

24 Months

36 Months

2.75%

2.90%

3.00%

3.10%

3.15%

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IRA Amounts

APY

IRA Amounts

APY

$25,000-$99,999

6 Months

12 Months

18 Months

24 Months

36 Months

2.80%

2.95%

3.05%

3.15%

3.20%

$100,000+

6 Months

12 Months

18 Months

24 Months

36 Months

2.85%

3.00%

3.10%

3.20%

3.25%

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Interest is paid at the end of the month to the deposit account of your choosing.

Special IRA Promotion

APY

Special IRA Promotion

APY

7-Month Certificate

$100 Minimum Deposit

4.50%

Apply Now

IRA Amounts

APY

IRA Amounts

APY

$100-$2,499

6 Months

12 Months

18 Months

24 Months

36 Months

2.70%

2.85%

2.95%

3.05%

3.10%

$2,500-$24,999

6 Months

12 Months

18 Months

24 Months

36 Months

2.75%

2.90%

3.00%

3.10%

3.15%

$25,000-$99,999

6 Months

12 Months

18 Months

24 Months

36 Months

2.80%

2.95%

3.05%

3.15%

3.20%

$100,000+

6 Months

12 Months

18 Months

24 Months

36 Months

2.85%

3.00%

3.10%

3.20%

3.25%

Interest is paid at the end of the month to the deposit account of your choosing.

Limited-Time Certificate Specials*

4.50% APY* for 7 months
Apply Now

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

IRA Calculator

Enter an amount to compare your savings options and see how much interest you could earn.

Your interest earned will be

Rate Calculator Interest Earned Table
RateInterestBalance
6 Months2.667%$0.00$0.00
12 Months2.813%$0.00$0.00
18 Months2.911%$0.00$0.00
24 Months3.008%$0.00$0.00
36 Months3.057%$0.00$0.00
Promo - 7-Month Certificate4.41%$0.00$0.00

Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.

*Annual Percentage Yield (APY) is accurate as of January 01, 2024. The dividend rate and APY may change at any time. Dividends are paid monthly. The APY is based on an assumption that dividends will remain in the account until maturity. Any fees, withdrawals or transfers reduces earnings and there may be penalties for early withdrawal. The minimum deposit for all IRAs is $100. There is no minimum daily balance requirement to obtain the APY.

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

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