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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.

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]
21 Month 1.00% [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] Annual Percentage Yield of 1.00% for a 21-Month Certificate. Minimum to open a IRA Certificate is $500. Maximum deposit is $25,000. Limit one 21-Month IRA Certificate account per member. If the regular or IRA certificates are funded with more than $25,000, the balance will be transferred to the primary savings. Promotion applies to all current members or new members in VA, NC, MD, and DC. 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.

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

Langley Rates effective as of August 25, 2021.