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  • 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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