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Individual Retirement Account

Individual Retirement Account (IRA)

Accelerated earnings make retirement planning easy.

Individual Retirement Accounts Help Your Money Grow

It’s time to prioritize retirement savings. Are you:
Wondering how to grow your savings quickly?
Looking to fast-track your retirement savings?
Seeking an account that pays generous dividends?
In search of simple banking tools to help you manage your money?
Ready to work toward your long-term financial goals?
Meet with Financial Champion
Individual Retirement Account
Earn up to 0.80% APY

Earn up to 0.80% APY¹ on 48- and 60-month terms

$1,000 minimum deposit

$1,000 minimum deposit to open an account and earn dividends²

No minimum balance

No minimum balance to avoid service charges

Highlights

Individual Retirement Account

IRA term savings to maximize your financial growth.

Meet with Financial Champion
compounded quarterly

Dividends are compounded quarterly

free mobile app

Track your savings with our free mobile app

Earn up to 0.80% APY

Earn up to 0.80% APY¹ on 48- and 60-month terms

$1,000 minimum deposit

$1,000 minimum deposit to open an account and earn dividends²

No minimum balance

No minimum balance to avoid service charges

compounded quarterly

Dividends are compounded quarterly

free mobile app

Track your savings with our free mobile app

Open Your Account Today

Speak With Financial Champion

Testimonials

What Our Members Are Saying About Leaders

Grow your savings today for a comfortable retirement.

We’re here to lead the way to smart retirement savings. Our free savings calculator can help you achieve your financial goals.

Enter your starting amount, estimated monthly savings, and interest rate to calculate how much you can save. You can use this information to fine-tune your long-term financial goals. You can even email your results to yourself, so they’ll always be accessible.

Frequently Asked Questions About
Individual Retirement Accounts

No. You will need to meet with one of our financial champions at a branch near you to open your IRA.

Yes. There is a minimum of $1,000 to open your Individual Retirement Account.

Yes. Credit unions are owned by members and you must join to be a member. The membership fee is a one-time charge of $25.

Dividends are money you earn for maintaining a balance in certain accounts. An account dividend is expressed as a percentage and calculated based on the average daily balance in the account for a month. Dividends are paid monthly or quarterly, depending on the account. The APY is the Annual Percentage Yield and represents the total actual percentage that a fixed sum in an account would earn in a year, including dividend accruals.
Leaders’ IRA dividends are based on the term you choose. Earn 0.50% APY for a 12-month term, 0.60% APY for a 24-month term, 0.7% APY for a 36-month term, and our maximum percentage, 0.8% APY, for a 48- or 60-month term.
The minimum balance to earn dividends is $1,000. There’s no minimum balance to avoid service charges, but if your balance drop below the minimum, your dividends will stop until your balance increases.

Still have questions? Visit our Help Center.

Disclosures

1. - APY = Annual Percentage Yield.

2. - Earn 0.50% APY for a 12-month term, 0.60% APY for a 24-month term, 0.7% APY for a 36-month term, and our maximum percentage, 0.8% APY, for a 48- or 60-month term.