IRAs

Is an IRA the right fit for you?

An IRA is a retirement savings plan that allows you to make tax-deductible contributions by periodic deposit or a lump sum. An IRA Share Savings account earns a variable dividend and requires a minimum deposit of $25. IRA Share Certificates are available for a term of 12-48 months with a $1,000 minimum deposit. IRA deposits are separately insured to $250,000 by the NCUA. Focus Federal Credit Union also offers Traditional IRAs, ROTH IRAs, and Coverdell Education Savings Plans.

12 Month Traditional IRA

Dividend Rate:

1.59% APY

24 Month Traditional IRA

Dividend Rate:

1.84% APY

36 Month Traditional IRA

Dividend Rate:

2.32% APY

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