It’s never too soon to start saving for the future. Whether you’re planning ahead for your child’s educational expenses or your own retirement, an Individual Retirement Account (IRA) from Interior FCU is a smart choice.

We offer two types of IRAs: Traditional and Roth. Here are a few of the basic differences:

Traditional IRARoth IRA
Contributions are tax-deductible Earnings grow tax-deferredContributions are not tax-deductible
Withdrawals are taxed
Earnings grow tax-free
Contribute up to age 70 ½
Qualified withdrawals are tax-free
Mandatory distribution at age 70 ½Contribute at any age
No mandatory distribution


To learn more, take advantage of our free Retirement Planning Resources. We’re here to help you plan ahead and choose the options that best fit your personal situation!

Current IRA rates:

Balances^Dividend RateAPY*
$10 minimum deposit0.45%0.45%

Links within this calculator lead to a third party site, Interior FCU does not provide and is not responsible for the product, service, overall website content, security, or privacy policies on any external third-party sites.

You can also open an IRA Share Certificate for either type of IRA through Interior FCU.

If you are saving specifically for education or health expenses, we recommend considering a Coverdell Education Savings Account or a Health Savings Account.

For additional information or assistance, please call us at 800-914-8619.

APY = Annual Percentage Yield.

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Retirement Planning Resources

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