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IRA Service Center

Individual Retirement Accounts

Planning for your financial future made easy

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  • IRA Service Center

    Retirement Central

    You can bring your future into better focus at the new Retirement Central. Here you’re able to explore some of the key topics you should consider at various points in your life with great educational articles, comprehensive information on certain life stages we encounter, easy-to-use planning tools, various IRAs to choose from, and much more.

     

    IRA Service Center

    Understand more about the different types of IRAs, including Coverdell Educational Savings Accounts, or open or service an existing IRA here.

     

    Health Savings Account

    Learn more about your health care costs, find out if you’re eligible, calculate your costs or open an HSA account.

     

     

     

     

     

    Retirement Central

     

     

     

     


    IRA Service Center

     

     

     

    Health Savings Account

    “I came into to apply for a car loan and got it. I’m very excited for the opportunity to drive something new. Thanks AFFCU!”

    Jordan Olson, member since 2017
    Ready to start planning for your financial future?

    Bring your future into focus.

    Contact Us Today!

    FREE Retirement Planning Interactive Lesson

    Most people plan to save for—or want to save for—retirement. Let’s explore savings options, how to set goals, and other important considerations.

    GET STARTED

    FREE HSA Interactive Lesson

    Health Savings Accounts (HSAs) have become a popular way of saving for healthcare costs, and even a way to save for retirement. Explore whether you are eligible to enroll in an HSA and how they may work for you.

    GET STARTED

    FREE IRA Interactive Lessons

    It’s never too early to start saving for retirement, and there are lots of great resources available to help you achieve your financial goals. One option to consider is an Individual Retirement Account, or IRA.

    GET STARTED



  • Type IRA Share Account Rates

    Rates Effective as of: 10-31-2020
    Account Minimum Balance Dividend Rates APY*
    IRA Share Account Up to $2,499.99 0.30% 0.30%
    $2,500.00 - $9,999.99 0.30% 0.30%
    $10,000.00 - $24,999.99 0.30% 0.30%
    $25,000.00 - $49,999.99 0.45% 0.45%
    $50,000.00 - $89,999.99 0.45% 0.45%
    $90,000.00 - $99,999.99 0.55% 0.55%
    $100,000.00 and up 0.55% 0.55%

    * APY = Annual Percentage Yield as of the effective date and subject to change at any time without notice.

    - Dividends Compounded: Monthly. Dividends Credited: Monthly. Balance Computation Method: Dividends are calculated using the daily balance method. This method applies a daily periodic rate to the principle in the account each day. Limitations: Minimum $5.00 opening balance required.

    Type IRA Share Certificate Rates

    Rates Effective as of: 10-31-2020
    Term Minimum Balance: $1,000 $2,500 $12,500 $25,000 $100,000
    1 Year Dividend Rates 0.747% 0.747% 0.747% 0.747% 0.747%
    APY 0.75% 0.75% 0.75% 0.75% 0.75%
    2 Years Dividend Rates 0.797% 0.797% 0.797% 0.797% 0.797%
    APY 0.80% 0.80% 0.80% 0.80% 0.80%
    3 Years Dividend Rates 0.847% 0.847% 0.847% 0.847% 0.847%
    APY 0.85% 0.85% 0.85% 0.85% 0.85%
    5 Years Dividend Rates N/A 0.946% 0.946% 0.946% 0.946%
    APY 0.95% 0.95% 0.95% 0.95%
    7 Years Dividend Rates N/A 1.144% 1.144% 1.144% 1.144%
    APY 1.15% 1.15% 1.15% 1.15%

    -The preceding rates are of the effective date and subject to change at any time without notice. For updated information, inquire at any branch office or contact 210.673.5610 or 800.227.5328.

    - APY = Annual Percentage Yield

    - Dividends Compounded: Monthly. Dividends Credited: Monthly. Balance Computation Method: Dividends are calculated using the daily balance method. This method applies a daily periodic rate to the principle in the account each day. Fees: Penalty will be imposed for early withdrawal. Fees could reduce earnings on the account. Limitations: Minimum $1,000 opening balance is required. You should seek the advice of your own tax advisor with respect to your particular circumstances. Membership eligibility required.



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How can we help you succeed?

  • What would you like to borrow for?
    • A home
      • Sounds great. We offer Mortgage Loans at great prices, as well as refinancing options.
    • A vehicle
      • Cool! Are you looking for a regular car, or something a little more adventurous?
        • Something adventurous
        • A regular car is fine with me
          • Sounds good! We have low rates available for both new and used
            Auto Loans. We can also Refinance your current loan with another institution.
    • An education
      • Right on! We have Student Loans available through our trusted partner, Sallie Mae.
    • Something else
      • Sounds good! Are you more interested in a lump sum or a line of credit?
        • Lump sum
          • Terrific! We offer Personal Loans for any need, including weddings, vacations, and debt consolidation.
        • Line of credit
          • Great! We think you’ll love our Redi-Credit option. It’s a flexible line of credit, where you’ll only pay interest on what you spend.
    • I’m mostly interested in a credit card
  • What would you like help with?
    • Accessing my accounts
      • Okay, how would you like to access your accounts?
        • Online
          • Ok! Is this is your first time using Online Banking?
            • Yes
            • No
              • Great. To access your account, simply click “Login” in the upper right hand corner of the page.
        • On my mobile device
    • Opening a checking account
      • Great! We have several options available, so head over to our Compare Checking Accounts page to figure out which is right for you.
    • Signing up for eStatements
      • Cool! If you are already signed up for and using our online banking service, all you need to do is click on the eStatements tab (in the blue menu bar) to start enrolling.
    • Running my small business
      • Good for you! Our partner Newtek offers a variety of services to help you manage your small business, including payrolls services, payment processing, and web design.
    • Getting insurance
  • What would you like to save for?
    • The holidays
    • I’d like to open a savings account for my child
      • Great idea! We have several Youth Savings accounts available, depending on your child’s age.
    • Something else – and I’d like to earn a good interest rate
      • Do you have some money saved up already?
        • Yes, quite a bit
          • Nice! Are you okay with leaving your money untouched for a while?
            • Sure
              • Great! We think you might like one of our Share Certificates. You agree to leave your money untouched for a while in exchange for a higher interest rate.
            • I’d prefer to make withdrawals when I need to.
              • Sounds good. Check out our Elite Checking account or Money Market account. These accounts are a little more flexible, but still get you a higher rate.
        • Not much
          • No worries. Once you open a Regular Savings account, you can open secondary accounts for whatever you need, including college, rainy day funds and more.
    • I’d prefer just a basic savings account
      • Ok! Our Regular Savings sounds just right for you. It also secures your AFFCU membership.