Roth IRA
Roth IRAs offer unique and exciting savings opportunities, and they've gotten better over the years. Roth IRAs give many members an easy and safe way to plan for the future.
Read more about Roth IRAs below.
Current Rates
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Share IRA
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0.55% APY
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IRA Certificate - 3 months
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0.20% APY
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IRA Certificate - 6 months
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0.30% APY
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IRA Certificate - 12 months
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0.30% APY
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IRA Certificate - 24 months
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0.50% APY
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IRA Certificate - 36 months
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0.75% APY
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IRA Certificate - 48 months
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1.06% APY
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IRA Certificate - 60 months+
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1.50% APY
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With a Roth IRA:
- Contributions are allowed at any age
- Qualified distributions are tax-free
- Flexible withdrawals options are available
*Transaction limitations apply
*Possible loss of dividends if account is closed in the middle of the month
*Contact your tax advisor to discuss any tax penalty implications
Must meet membership eligibility requirements. Please see "How to Join AmeriChoice" page for additional details on membership eligibility.
Choose from two types of IRAs:
Share IRAs
Similar to a share account
No minimum opening deposit required
$100 minimum required to earn dividends
May contribute at any time up to the maximum allowable contribution
Dividends calculated on daily balance — Paid quarterly
IRA Certificate
Multiple options for rates and terms available
Minimum deposit of $500 required
Penalty for early withdrawal
Dividends paid quarterly
For complete account detail review our Truth in Savings Disclosure