Individual Retirement Accounts (IRAs)
Apply for a 7-month Special IRA Certificate.
Earn 4.50% APY with a $5,000 new money minimum deposit.5
Questions? We can help.
Connexus IRA Accounts
Choose the retirement account that works for your unique timeline and goals.
7-Month Special IRA Certificate5
Our limited-time 7-month Special IRA Certificate offers a nationally leading yield, plus the same security and reliability as our other IRA Certificates.
| Term | APY5Dividend rate |
| 7 months | 4.50% 4.426% |
| Accurate as of 01/13/2026 | |
IRA Certificates
These Certificates offer a fixed yield and term with a fixed maturity.
| Term | Regular $5,000+ | Jumbo $100,000+ | ||
| APY1Dividend rate | APY2Dividend rate | |||
| 6 Months | 3.00%2.967% | 3.10%3.065% | ||
| 7-Month Special Certificate | 4.50%4.426% | None | ||
| 12 months | 2.00%1.985% | 2.10%2.084% | ||
| 24 months | 2.00%1.985% | 2.10%2.084% | ||
| 36 months | 2.00%1.985% | 2.10%2.084% | ||
| 48 months | 2.00%1.985% | 2.10%2.084% | ||
| 60 months | 2.00%1.985% | 2.10%2.084% | ||
| Accurate as of 01/13/20261 | ||||
Bump-Up IRA Certificate
The Bump-Up IRA Certificate yields offer the option to bump the rate once during the term.
| Term | APY3Dividend rate |
| 24 months | 2.00%1.985% |
| Accurate as of 01/13/2026 | |
IRA Savings Accounts
These accounts have variable interest and no fixed term. Plus, there’s no minimum opening deposit required.
| Balance | APY4Dividend rate |
| $10,000 and over | 0.40%0.399% |
| $0 to $9,999.99 | 0.25%0.250% |
| Accurate as of 01/13/2026 | |
Connexus IRA Accounts
Choose the retirement account that works for your unique timeline and goals.
IRA Certificates
These Certificates offer a fixed yield and term with a fixed maturity.
Bump-Up IRA Certificate
The Bump-Up IRA Certificate yields offer the option to bump the rate once during the term.
| Term | APY3 |
|---|---|
| 24 months | 2.00% |
| Accurate as of 01/13/2026 | |
IRA Savings Accounts
These accounts have variable interest and no fixed term. Plus, there’s no minimum opening deposit required.
| Balance | APY4 |
|---|---|
| $10,000 and over | 0.40% |
| $0 to $9,999.99 | 0.25% |
| Accurate as of 01/13/2026 | |
Features
Traditional vs Roth
Traditional IRAs
These are potentially tax-deferred retirement plans. Your qualified contributions may be tax-deductible and can be made at any age, as long as you have earned income. Taxes are paid on your funds at the time of withdrawal.
Annual contribution limits for Traditional IRAs
| Age | 2024 | 2025 |
| Under 50 | $7,000 | $7,000 |
| 50 and Over | $8,000 | $8,000 |
Roth IRAs
Roth IRA contributions are made with after-tax dollars. Funds are tax-free when withdrawn unless you are taxed for early withdrawal penalties before age 59 ½. As long as you have earned income, contributions can be made at any age.
Annual contribution limits for Roth IRAs
| Age | 2024 | 2025 |
| Under 50 | $7,000 | $7,000 |
| 50 and Over | $8,000 | $8,000 |
FAQs: You asked. We answered.
Disclosures
APY = Annual Percentage Yield
See our Fee Schedule for a list of fees you may encounter.
Because these accounts have different features and deposits are based on your personal tax situation, contact your tax or legal professional or the IRS for specific tax information about state or local income taxes. This is intended to provide general information on federal regulations pertaining to Traditional and Roth IRAs. It is not meant to provide legal advice or individual tax recommendations. IRA contribution limits are determined by the IRS and apply to any financial institution, not just Connexus.
- Rates are accurate as of 01/13/2026 and are subject to change. Connexus Credit Union membership and $5,000 opening deposit required. A penalty will be imposed for early withdrawal. Fees may reduce earnings. Offer not valid on business or organization accounts.
- Rates are accurate as of 01/13/2026 and are subject to change. Connexus Credit Union membership and $100,000 minimum deposit required. A penalty will be imposed for early withdrawal. Offer not valid on business or organization accounts.
- Rates are accurate as of 01/13/2026 and are subject to change. Connexus Credit Union membership and $5,000 minimum deposit required. A penalty will be imposed for early withdrawal. Offer not valid on business or organization accounts. Bump-Up Share Certificates allow a one-time rate increase during the original term plus a one-time rate increase during each subsequent term. You must exercise the bump-up rate increase option during the then-current term. Please see the Truth-in-Savings disclosure for more information.
- APY accurate as of 01/13/2026 and are subject to change. Connexus Credit Union membership required. Fees may reduce earnings. ATM transactions not included.
- 7-month Special IRA Share Certificate is available for a limited time. Rates are accurate as of 01/13/2026 and are subject to change. Connexus Credit Union membership and a minimum opening deposit of $5,000 in new money are required. “New money” is defined as funds not currently held at Connexus Credit Union. Funds deposited within the past 30 days qualify as new money; however, funds withdrawn from Connexus Credit Union within 30 days and subsequently redeposited do not qualify as new money. You may combine new money with existing Connexus funds to open the certificate, provided at least $5,000 of the total deposit consists of new money. A penalty will be imposed for early withdrawal. Offer not valid on business or organization accounts. The 7-month Special IRA Share Certificate will automatically renew at maturity into a 6-month IRA Share Certificate. The dividend rate will be the same as we offer on new term share accounts with the same term at the time of maturity. A minimum balance of $5,000 must be maintained, and other features of the original certificate will apply. You will have a grace period of ten (10) calendar days after maturity to withdraw the funds without being charged an early withdrawal penalty.