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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.

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Promotional Certificate IRA Rates

Traditional or Roth IRA
Term APY1  
9 Month 3.85% 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 1.00% 2 Schedule an Appointment
6 Month 2.00% 2 Schedule an Appointment
12 Month 3.51% 2 Schedule an Appointment
18 Month 3.40% 2 Schedule an Appointment
24 Month 3.35% 2 Schedule an Appointment
30 Month 3.45% 2 Schedule an Appointment
36 Month 3.40% 2 Schedule an Appointment
48 Month 3.35% 2 Schedule an Appointment
60 Month 3.30% 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 3.85% for a 9 Month Certificate. The minimum balance to open the certificate is $500. Maximum deposit of $250,000. Includes IRA Certificates. The minimum to open the IRA certificate is $500. No maximum deposit. Dividends compound monthly. Penalty for early withdrawal. Promotional certificate limited to one (1) per member. Limited time offer.

Langley Rates effective as of October 01, 2025