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Individual Retirement Accounts (IRAs)
A smart foundation for any retirement strategy.
Getting Started
- Check out our rates on Money Market and Certificate IRAs
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.
More Information
Promotional Certificate IRA Rates
| Traditional or Roth IRA | ||
|---|---|---|
| Term | APY1 | |
| 14 Month (New Members Only) | 4.11% 2,,4 | Schedule an Appointment |
Money Market IRA Rates
| Traditional or Roth IRA | ||
|---|---|---|
| Minimum to Earn APY3 | APY1 | |
| $100 | 0.05% | Schedule an Appointment |
| $100,000 | 0.05% | Schedule an Appointment |
| $250,000 | 0.05% | Schedule an Appointment |
Certificate IRA Rates
| Traditional or Roth IRA | ||
|---|---|---|
| Term | APY 1 | |
| 3 Month | 0.90% 2 | Schedule an Appointment |
| 6 Month | 1.90% 2 | Schedule an Appointment |
| 12 Month | 3.30% 2 | Schedule an Appointment |
| 18 Month | 3.30% 2 | Schedule an Appointment |
| 24 Month | 3.20% 2 | Schedule an Appointment |
| 30 Month | 3.20% 2 | Schedule an Appointment |
| 36 Month | 3.20% 2 | Schedule an Appointment |
| 48 Month | 3.20% 2 | Schedule an Appointment |
| 60 Month | 3.40% 2 | Schedule an Appointment |
Annual Percentage Yield (APY). This APY is subject to change weekly, and is fixed for the term of the certificate.
Traditional or Roth IRA: Minumum to open $500. A penalty may be imposed for early withdrawal from certificates.
Money Market IRA: Minimum to open $100. The APY is subject to change monthly.
Annual Percentage Yield of 4.11% and dividend rate of 4.03% for a 14 Month Certificate. The minimum balance to open the certificate is $500. Maximum deposit of $25,000. Includes IRA Certificates. Dividends compound monthly. A penalty will be imposed for early withdrawal. See Account Disclosures for penalty amount and calculation method. Some restrictions apply. Rate subject to change prior to account opening. Additional deposits are not permitted. Promotional certificate limited to one (1) per member. Limited time offer. $5 deposit to Langley savings account required for membership. Rate effective as of February 25, 2026.
Langley Rates effective as of March 01, 2026