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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.


Promotional Certificate IRA Rates

Traditional or Roth IRA
Minimum to Earn APY[3] APY[3]  
21 Month 4.50% [2][4] Schedule an Appointment
29 Month 5.00% [5] Schedule an Appointment

Money Market IRA Rates

Traditional or Roth IRA
Minimum to Earn APY[3] APY[3]  
$250,000 0.50% Schedule an Appointment
$100,000 0.50% Schedule an Appointment
$100 0.50% Schedule an Appointment

Certificate IRA Rates

Rates include an Active Rewards rate enhancement of 0.10%.

Traditional or Roth IRA
Term APY [1]  
12 Month 3.00% [2] Schedule an Appointment
18 Month 3.10% [2] Schedule an Appointment
24 Month 3.20% [2] Schedule an Appointment
30 Month 3.25% [2] Schedule an Appointment
36 Month 3.50% [2] Schedule an Appointment
48 Month 3.75% [2] Schedule an Appointment
60 Month 4.00% [2] Schedule an Appointment
[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: Minumum to open $500. A penalty may be imposed for early withdrawal from certificates.
[3] Money Market IRA: Minimum to open $100. The APY is subject to change monthly.
[4] Annual Percentage Yield of 4.50% for a 21-Month Certificate. The minimum balance to open the certificate is $500.00 No maximum deposit. Includes IRA Certificates. The minimum to open the IRA certificate is $500.00. No maximum deposit. Not eligible for Active Rewards rate enhancement and cannot be combined with any other promotional offer. Dividends compound monthly. Penalty for early withdrawal. Limited time offer. Some restrictions apply. Fees may reduce earnings on the account. Rate subject to change. Insured by NCUA.
[5] Annual Percentage Yield of 5.00% for a 29-Month IRA Certificate. The minimum to open the IRA certificate is $500.00. No maximum deposit. Not eligible for Active Rewards rate enhancement and cannot be combined with any other promotional offer. Dividends compound monthly. Penalty for early withdrawal. Limited time offer. New money is defined as funds not currently on deposit with Langley Federal Credit Union. Some restrictions apply. Fees may reduce earnings on the account. Rate subject to change. Insured by NCUA.

Langley Rates effective as of December 23, 2022.