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It feels good to save for retirement and IRAs are sound investments that may offer you possible tax advantages!

Individual Retirement Account

  • Start your IRA with as little as $5.00.
  • Contributions may be tax deductible! (Consult your tax advisor for eligibility.)
  • Dividends are tax-deferred until you begin withdrawing funds.
  • No set-up or maintenance fees.
  • Your IRA investments are individually insured up to $250,000.
  • Roth IRAs, Educational IRAs and SEP IRAs available

Note: Required Minimum Balance: For IRA Share Accounts, there is no minimum balance to open or maintain the account. An average daily balance of $100.00 is required to earn dividends. Dividends accrue from date of deposit to date of withdrawal, compound monthly and are paid monthly. Federal and state penalties may apply to early withdrawal from IRAs.

IRA Accounts Dividend Rate APY *
$100.00 to $2,499.99 0.0150% 0.0150%
$2,500.00 to $9,999.99 0.0250% 0.0250%
$10,000.00 to $24,999.99 0.0350% 0.0350%
$25,000.00 + 0.0600% 0.0600%

* APY = Annual Percentage Yield. Dividend rates and APY's are quoted rates and yields current as of September 1, 2016. Subject to change. A penalty may be imposed for early withdrawal, including State and Federal penalties.

Not a Member? You Could Be! 1-800-44-Mocse or (209)572-3600