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.

Our IRA Center gives you online options for opening your Individual Retirement Account, managing it, and connecting with IRA Specialists in the comfort and privacy of your own home. It also has educational articles on IRAs and retirement planning, planning tools, risk analyzers, investment options and the forms you need to complete your transactions.

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

IRA Comparison Rates
Traditional IRARoth IRA
Contributions are tax-deductibleContributions are not tax-deductible
Earnings grow tax-deferredEarnings grow tax-free
Withdrawals are taxed
Qualified withdrawals are tax-free
Contribute up to age 70 ½
Contribute at any age
Mandatory distribution at age 70 ½No 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!

Once you have decided to open an IRA account, you then choose how to invest your money.

You have two options:

  1. IRA Savings Account
  2. IRA Share Certificate (with various terms from 6 months to 60 months)

Current IRA rates:

Individual Retirement Account (IRA), Roth and Education Savings Account (ESA) Rates
Balances^Dividend RateAPY*
No 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.

APY = Annual Percentage Yield. More details are available in our Membership Disclosures.

Online Banking

Manage Your IRA

resourcesManage your existing Interior FCU IRA from home.

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