Individual Retirement Accounts

Prepare for educational expenses or retirement with our IRA products. Make saving more convenient by signing up to make IRA contributions through an automatic transfer. Our IRAs can earn higher dividend rates by investing in Share Certificates. Some IRA products can provide you with an excellent tax shelter on your contributions and earned dividends.*

NCUA Share Insurance Estimator

*Your deposit accounts are insured up to $250,000 by the National Credit Union Administration, A U.S. Government Agency. You may click on the NCUA Share Insurance Estimator link below to help you understand your share insurance protection.

Traditional IRA

  • Penalty-free withdrawals are allowed for first-time homebuyers and qualified higher educational expenses.
  • Contributions and earned dividends are tax-deferred.
  • Many taxpayers will be eligible for tax-deductible contributions

Roth IRA

  • Contributions may be withdrawn tax-free and penalty-free at any time for any reason.
  • Contributions are not tax-deductible.
  • Tax-free and penalty-free earned dividends are available for withdrawal as long as the account has been open for at least five (5) years and you are over 59½ years old, or are disabled, or buying your first home.

Educational IRA

  • Allows contributions up to the age of 18 years.
  • Money may be withdrawn tax-free if used to pay for higher educational expenses before reaching age 30.
  • Tax-free withdrawals for qualified higher educational expenses.

Open a HighFive Checking Account, Earn 5.00% APY

A checking account with no minimum balance requirements, no monthly fees, and early paycheck access up to two days sooner—all with the opportunity to earn 5.00% APY* on balances up to $10,000. With the PeoplesChoice HighFive Checking Account, you also have access to free mobile banking, direct deposit, and more. Learn more on the full qualifications here or open your account today.

Open Your Account