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 ratesCalculate your monthly savings3
Final Balance
Contributions: | Earnings:Tax-free contributions
Make tax-free contributions to your account. You'll only pay taxes on withdrawals when you retire.
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.
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.
-
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!
Have questions? We're here to help!
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.
Disclosures
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 December 21, 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.
Rates
Disclosures
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 December 21, 2024. The APY is variable and may change at any time. 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.
IRA savings rates
| Account | APY |
|---|---|
|
Share IRA |
0.35 |
|
Share Roth |
0.35 |
|
Share SEP and Share Education |
0.35 |
Open Account
Leaving Our Website
You are now leaving Members’ website. The privacy policy and site security of the external site to which you are going may differ from the credit union’s site. Members has no responsibility for external sites and it does not make any warranty, express or implied, regarding external sites.