Start saving for tomorrow, today. Individual Retirement Accounts (IRAs) can help you save for retirement, a future expense, and more. A safe and sensible way to grow your nest egg, you can create a strategy that's right for you with our different account options.

Traditional IRA

Earnings grow tax deferred
Ability to make deposits through payroll deduction and automatic transfers
Required minimum distribution begin at age 72

ROTH IRA

Must be employed to contribute to an IRA
No maximum age limit
Contributions are not tax deductible
Earnings grow tax deferred
Non required distributions

Tiered IRA Savings

Traditional or Roth options available
Earn more with tiered rates - the higher your balance, the higher your return
Allows regular deposits
No term limits
Low minimum opening balance of $2,500
Funds insured by NCUA and MSIC

Simplified Employee Pension (SEP) IRA

Established by an employer for employees to help save for retirement
Must be self-employed or work for someone who is
Contributions to a SEP IRA are made only by the employer and tax deductible for the employer only
Employer must make contributions for all eligible employees

IRA CDs

Low minimum opening deposit of $500
Available for both Traditional and Roth IRAs
Lock in a guaranteed rate for a fixed term
Funds are insured by NCUA and MSIC

Disclosure:

Fees may reduce earnings on accounts. Rates and Annual Percentage Yields (APYs) on transaction account may be subject to change without notice and may change after account opening. Early withdrawal penalties will be imposed on IRA accounts. Membership requirements apply.

IMPORTANT: Align Credit Union employees are not authorized to give advice regarding tax issues. If you need help in deciding what specific IRA options may best fit your needs, please talk to your tax advisor or financial planner.

Featured Rates

5 Month IRA CD Special

4.73

% APY*

2 Year IRA CD

3.10

% APY*

5 Year IRA CD

2.85

% APY*

IRA Resources

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Checking to Fit Your Lifestyle

Designed to help you manage your money on your own terms, the Align Checking account features no monthly maintenance fees and great benefits, including access to thousands of fee free ATMs.

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Convenient Access to Your Accounts

WIth Align's eServices, you can access your account anytime, anywhere, and on any device. Between online banking and our mobile apps*, you can take control of your money on your own terms.

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The Benefits of Membership

Align is a community credit union. We are committed to providing the right tools to help you reach your financial goals and deliver a customized banking experience perfectly in sync with you.

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