couple on boat Save Confidently for Retirement with a Langley IRA Account

Individual Retirement Accounts (IRAs)

A smart foundation for any retirement strategy.

Getting Started

You might not know the difference between a Roth IRA and a traditional IRA, or a certificate IRA and a money market IRA, but we have the information and guidance you need to make the choice that is right for you.

Our IRA Center is the perfect place to start learning about planning for retirement, IRA types, investment tips and more.

Money Market IRA Rates

Traditional or Roth IRA
Minimum to Earn APY[3] APY[3]
$250,000 0.10%
$100,000 0.10%
$100 0.10%

Certificate IRA Rates

Rates include an Active Rewards rate enhancement of 0.10%.

Traditional or Roth IRA
Term APY [1]
12 Month 0.60% [2]
18 Month 0.60% [2]
19 Month
Promotional Certificate
1.25% [2][4]
24 Month 0.60% [2]
30 Month 0.60% [2]
36 Month 0.70% [2]
48 Month 0.70% [2]
60 Month 0.70% [2]

[1] Annual Percentage Yield (APY). This APY is subject to change weekly, and is fixed for the term of the certificate.

[2] Traditional or Roth IRA: Minimum to open $500. A penalty may be imposed for early withdrawal from certificates.

[3] Annual Percentage Yield. Dividends are calculated by the average daily balance. Minimum to open Money Market IRA is $100. Earn 0.10% APY on average daily balances above $100.00, 0.10% APY on average daily balances above $100,000.00, and 0.10% APY on average daily balances above $250,000.00. Rates may change after account is opened. Membership eligibility applies. Insured by NCUA.

[4] Offer applies to all current members as of 6/30/2021 or new members in VA, NC, MD, and DC. Maximum deposit is $25,000. If funded with more than $25,000 the balance will be transferred to primary savings. Limit one per member. Does not qualify for 0.10% rate enhancement.

The minimum required to open an account is a share in the credit union ($5).

Langley Rates effective as of July 01, 2021.