Individual Retirement Accounts (IRAs)

Apply for a 7-month Special IRA Certificate.

Earn 4.60% APY with a $5,000 new money minimum deposit.‍5

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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.

IRA Special Certificate Table
TermAPY‍5Dividend rate
7 months4.60% 4.523%
Accurate as of 08/26/2025
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IRA Certificates

These Certificates offer a fixed yield and term with a fixed maturity.

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Bump-Up IRA Certificate

The Bump-Up IRA Certificate yields offer the option to bump the rate once during the term.

184-IRA-Certificate-Bump-up-Rates-2025-02-19.csv
TermAPY‍3Dividend rate
24 months2.40%2.379%
Accurate as of 08/26/2025
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IRA Savings Accounts

These accounts have variable interest and no fixed term. Plus, there’s no minimum opening deposit required.

54-IRA-Savings-Account-Rates-New-2025-02-19.csv
BalanceAPY‍4Dividend rate
$10,000 and over0.40%0.399%
$0 to $9,999.990.25%0.250%
Accurate as of 08/26/2025
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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.

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Bump-Up IRA Certificate

The Bump-Up IRA Certificate yields offer the option to bump the rate once during the term.

IRA Certificate – Bump-up Rates
TermAPY‍3
24 months2.40%
Accurate as of 08/26/2025
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IRA Savings Accounts

These accounts have variable interest and no fixed term. Plus, there’s no minimum opening deposit required.

IRA Savings Account Rates – New
BalanceAPY‍4
$10,000 and over0.40%
$0 to $9,999.990.25%
Accurate as of 08/26/2025
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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

IRA Contribution Limits
Age20242025
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

IRA Contribution Limits
Age20242025
Under 50$7,000$7,000
50 and Over$8,000$8,000

FAQs: You asked. We answered.

How do I open a Traditional or Roth IRA?

To apply for a Traditional or Roth IRA, please call our Member Contact Center at 800.845.5025, and we’ll help you get started.

I don’t know which IRA is right for me. How can I figure that out?

To determine which IRA is best for you, please consult your tax professional.

Can I still contribute to my Traditional IRA if I make too much money for an IRA tax deduction?

Yes. There are no income limits to make contributions to a Traditional IRA. However, it is possible to be affected by filing status and participation in an employer retirement plan. Contributions must not exceed IRS limits. For more details, visit IRS.gov.

What is the maximum I can contribute to my Roth IRA?

Your annual Roth IRA contributions cannot exceed your annual compensation or the limits set by the IRS, whichever is less. See a tax professional for more details or visit IRS.gov for IRS limits.

Can I contribute to both a Traditional and a Roth IRA?

Yes, as long as you do not exceed the contribution limits set by the IRS. See a tax professional for more details of visit IRS.gov for IRA limits.