IRA Features

Planning ahead allows you to enjoy the retirement you deserve. If you are saving for retirement, Copper State Credit Union has the IRA (Individual Retirement Account) for you. 

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Extra retirement savings.
Access an additional option outside of a 401(k) plan or pension for saving more toward retirement.
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Potential tax benefits.
Take advantage of the added benefit of potential tax-deferred or tax-free growth.
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IRA options.
Copper State Credit Union offers both Traditional IRAs or Roth IRAs.
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Flexible investments.
Based off your personal retirement plan, invest in an IRA Money Market or IRA Certificate.
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Free Financial Review
Meet with our partner financial advisors at Copper State Wealth Management for a complimentary annual review. They can offer a second opinion to make sure your retirement plans are on track!

Individual Retirement Account Rates

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A penalty may be imposed for early withdrawal. The amount of the penalty depends on the term of the account. For Accounts with a term to Maturity that is equal to or less than 6 months, the penalty imposed will equal 60 days' dividends. 12 months, will equal 90 days' dividends. Equal to or greater than 24 months, but less than 36 months, will equal 180 days’ dividends. Equal to or greater than 36 months, will equal 365 days’ dividends.

IRA Rates
Description
Dividend Rate
Annual Percentage Yield (APY)
Minimum Balance
Description
6 Month IRA Certificate
Dividend Rate
0.15%
Annual Percentage Yield (APY)
0.15%
Minimum Balance
$500
Description
1 Year IRA Certificate
Dividend Rate
0.25%
Annual Percentage Yield (APY)
0.25%
Minimum Balance
$500
Description
2 Year IRA Certificate
Dividend Rate
0.30%
Annual Percentage Yield (APY)
0.30%
Minimum Balance
$500
Description
3 Year IRA Certificate
Dividend Rate
0.40%
Annual Percentage Yield (APY)
0.40%
Minimum Balance
$500
Description
4 Year IRA Certificate
Dividend Rate
0.45%
Annual Percentage Yield (APY)
0.45%
Minimum Balance
$500
Description
5 Year IRA Certificate
Dividend Rate
0.50%
Annual Percentage Yield (APY)
0.50%
Minimum Balance
$500
Effective September 27, 2021

A penalty may be imposed for early withdrawal. The amount of the penalty depends on the term of the account. For Accounts with a term to Maturity that is equal to or less than 6 months, the penalty imposed will equal 60 days' dividends. 12 months, will equal 90 days' dividends. Equal to or greater than 24 months, but less than 36 months, will equal 180 days’ dividends. Equal to or greater than 36 months, will equal 365 days’ dividends.

IRA Options.

  • Traditional IRA.

    Traditional IRAs are a type of individual retirement account that allow you to take tax deductions each year you contribute to your account.

  • Roth IRA.

    Roth IRAs are a powerful way to save for retirement. They offer the advantages of tax-free growth and tax-free withdrawals once you are in retirement.

  • Additional Options

    Interested in more options for your money? Our Copper State Wealth Management advisors can help with Traditional, Roth, Educational, SEP or Simple IRA's.

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Opening up an IRA is easy!
Stop by any of our Copper State Credit Union branch location today to open your IRA (Individual Retirement Account) today! Our branch staff makes the process seamless.
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Disclosure

Your tax advisor can offer more guidance on which type of IRA may be best for your needs.