IRA Accounts - Traditional & Roth
Tell your money where to grow
Whether you’re just starting your career or plan to retire soon, we can help you make the most of your retirement goals with an IRA* to suit your needs! Our IRA savings accounts are available as traditional IRAs, Roth IRAs and specialized educational IRAs to help you meet whatever savings goals you have.
View Rates
Generally not taxed until distribution; contributions are tax deductible for many taxpayers
Earnings are distributed tax-free if certain conditions are met
Generally not subject to federal taxes
Current IRA Rates
Consumers Credit Union offers daily updated IRA rates for our traditional, Roth and educational accounts to offer you the most competitive rates around.
- Federally insured by NCUA for up to $250,000
- 24/7 account access through online and mobile
- Competitive dividend rates
- Easy application process
- No setup, maintenance or administrative fees
- CD and Money Market IRA options available
Through Consumers’ LPL Financial (LPL) Advisors, we also offer investment-based IRAs. These are similar to Savings Account IRA options except the funds are invested in the market vs. sitting in a savings account.
Retirement Calculator
Find out how much money you need to live comfortably in your retirement with our calculator.
Try it out*See your tax advisor for details
Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. Consumers Credit Union and Consumers Investment Services are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using Consumers Investment Services, and may also be employees of Consumers Credit Union. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, Consumers Credit Union or Consumers Investment Services. Securities and insurance offered through LPL or its affiliates are:
Your Credit Union (“Financial Institution”) provides referrals to financial professionals of LPL Financial LLC (“LPL”) pursuant to an agreement that allows LPL to pay the Financial Institution for these referrals. This creates an incentive for the Financial Institution to make these referrals, resulting in a conflict of interest. The Financial Institution is not a current client of LPL for advisory services.
Please visit https://www.lpl.com/disclosures/is-lpl-relationship-disclosure.html for more detailed information.
**The LPL Financial registered representatives associated with this website may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.
