Secure your future with a credit union IRA

CAFCU's Individual Retirement Accounts (IRAs) are designed to help you save for the future with our risk-free, federally insured share certificates. Get all your questions answered by choosing a topic below or contact us for additional support.


What is an individual retirement account (IRA) and why should I get one?

How is a credit union IRA different from other IRAs?

Is a CAFCU IRA a safe investment?

Should I choose a traditional or Roth IRA?

How can I open an IRA with CAFCU?

How will my money be invested with a CAFCU IRA?

What are your current IRA rates?

I'm not a CAFCU member. Can I open an IRA with you?

What are my options for funding my CAFCU IRA?

What is the minimum balance requirement to open an IRA with CAFCU?

How are dividends calculated?

Can I add other types of investments to my CAFCU IRA?

Can I roll over a 401(k) or IRA to a CAFCU IRA?

What are annual IRA contribution limits?

What should I do if I inherited an IRA?

When will I receive my IRA statement?

Can I change the term of my IRA share certificate?

During my share certificate term, rates changed. How will this affect my certificate's rate tier?

How can I set up regular contributions to my IRA from my paycheck?

Where can I get help?

IRA calculators and resources

$1,000 minimum APY** Dividend Rate
6-month 3.25% 3.20%
12-month 3.51% 3.45%
24-month 3.76% 3.70%
36-month 3.82% 3.76%
$10,000 minimum APY** Dividend Rate
6-month 3.30% 3.25%
12-month 3.56% 3.50%
24-month 3.82% 3.75%
36-month 3.87% 3.80%

For more information or questions connect with us:

*Consult with your tax advisor.
** APY = Annual Percentage Yield.
+Penalties will apply for early withdrawal of funds.