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Individual Retirement Account

Enjoy your golden years

Build the retirement you've always dreamed of with a Traditional, Roth, or Simplified Employee Pension (SEP) plan, or Individual Retirement Account (IRA).1


Multiple Options

Invest in a savings account or share certificate to diversify your portfolio.


Tax-free growth

With Traditional or SEP IRA options, taxes on earnings may be deferred.


Penalty-free withdrawals

Withdraw up to $10,000 from your Traditional or SEP IRA early for qualified expenses like first-time homebuyer or education costs.

Today's rates

View more rates
As high as % APY2

Calculate your monthly savings3

Final Balance

Contributions:     |    Earnings: 
Traditional IRA

Tax-free contributions

Make tax-free contributions to your account. You'll only pay taxes on withdrawals when you retire.

Roth IRA

Tax-free withdrawals in retirement

Contribute after-tax dollars to a Roth IRA and you won't pay taxes on withdrawals in retirement. Income restrictions apply.

Elderly woman looking at her finances on a laptop.

Simplified Employee Pension IRA

Set aside retirement funds for yourself and your employees with an SEP IRA. Enjoy lower operating and startup costs.


Members regularly rave about our competitive rates, convenient locations and friendly staff.

— 2023 Relationship Survey

How it works

It's easy to get an IRA with us.

  • 1

    Open an account

    It only takes a few minutes to open an IRA.

  • 2

    Make contributions

    Add funds to your IRA regularly to save for retirement.

  • 3

    Grow your savings

    Watch your retirement savings build!

Schedule an appointment

Have questions? We're here to help!


Schedule an appointment


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Give us a call


Call 1-800-296-8871

The best way(s) to save

With multiple options available, you’ll find a retirement savings account that helps you enjoy your golden years with confidence.


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Members Cooperative Credit Union does not provide legal, tax, or other advice. Please consult with your own professional services provider for more information on these matters. This content is provided for general information purposes only.

1 IRA eligibility, contributions, withdrawals, and penalties are subject to applicable laws and regulations.
2 APY is the Annual Percentage Yield. The stated APY is effective as of May 26, 2024. The APY is variable and may change at any time, and the rate may change after the account is opened. Fees may reduce earnings.
3 The calculator is provided for informational purposes only and any calculation is solely an estimate based on the information you provide. There is no guaranteed rate or earnings on an IRA savings account, except for certificates which may have a rate for a specific term as determined on the date of purchase. Contact Members Cooperative Credit Union at 1-800-296-8871 for more information.

Membership required and subject to account requirements.

Use of online or other electronic services may require specific hardware and software and your agreement to certain terms and conditions. Access is subject to the availability of the internet, cellphone and network coverage and plans, and typical service interruptions stemming from your providers or the credit union’s providers.

Video Banking

Memorial Day Holiday Closure All offices will be closed on Monday, May 27, in observance of Memorial Day. ATMs, mobile services, and online banking are available 24/7! View all our holiday closures.