Individual Retirement Accounts (IRAs)
IRAs available in both Certificate and Club Account form.
- IRA Certificate – Earn a higher rate of interest than a Club Account
- IRA Club Account – Withdraw funds at any time without penalty
How does each type of IRA differ? Here you go!
- Traditional IRA – Savings account allowing for annual contributions, which may be tax deductible.
- Roth IRA – Invest your after-tax dollars today, let the investment grow tax-deferred, and withdraw your principal and earnings tax-free. Subject to eligibility requirements.
- Rollover IRA – Transfer funds from another institution or qualified retirement plan.
- Coverdell Education Savings Account (formerly Education IRA) – Investment tool designed to help save for a child’s education expenses.
Regardless of type, all Safe 1 IRAs offer:
- No annual fee
- Dividends paid monthly
- Funds federally insured up to $250,000 by the National Credit Union Administration (NCUA)
Individual Retirement Account (IRA) Certificates
Effective as of December 1, 2025| CERTIFICATE TERM | ANNUAL PERCENTAGE YIELD | DIVIDEND RATE | RELATIONSHIP REWARDS!* ANNUAL PERCENTAGE YIELD | RATE TYPE |
|---|---|---|---|---|
| 3 - 5 Months | 1.00% | 0.99% | 1.50% | Fixed |
| 6 - 11 Months | 1.25% | 1.24% | 1.75% | Fixed |
| 12 - 23 Months | 1.75% | 1.74% | 2.25% | Fixed |
| 20-Month IRA Certificate | 1.75% | 1.74% | 2.25% | Fixed |
| 24-Month Bump-Up ** | 2.00% | 1.98% | Variable |
$1,000 minimum opening deposit / $1,000 minimum required to earn dividends / Dividends paid monthly
* To learn more about RELATIONSHIP REWARDS! and how to qualify, simply click here!
** Allows for a one-time request to increase the dividend rate (and corresponding Annual Percentage Yield) to the then-current rate being paid. The increased dividend rate will remain in effect for the remaining Certificate term.
Subject to penalties for early withdrawals
Account agreement and fee schedule available at any Safe 1 branch office
Individual Retirement Account (IRA) Club
Effective as of December 1, 2025| ACCOUNT NAME | ANNUAL PERCENTAGE YIELD | DIVIDEND RATE |
|---|---|---|
| Individual Retirement Account (IRA) Club | 0.15% | 0.15% |
$50 minimum opening deposit / $50 minimum required to earn dividends / Dividends paid monthly / Rate is variable