Individual Retirement Accounts

Save today for a brighter tomorrow

Don’t let finances get in the way of your future fun. Prepare for those golden years now with an IRA with USE Federal Credit Union.

Term	Tier	APY
14 Months	$25,000+	4.15%
6 Months	$500 - $100,000+	3.25%
12 Months	$500 - $100,000+	3.30%
24 Months	$500 - $100,000+	3.10%
36 Months	$500 - $100,000+	3.10%
48 Months	$500 - $100,000+	3.05%

Rates are effective as of 8/3/2026.

Benefits You’ll Love

Earn competitive dividends that beat regular savings
Choose from Traditional and Roth IRA options
Access tax advantages on what you set aside¹
No setup, monthly, or annual maintenance fees
Annual contribution limits apply¹
An additional $1,100 "catch-up" contribution is allowed for ages 50+
Funds can be used to purchase CDs within an IRA
No minimum deposit to open an IRA/Share

Traditional vs. Roth

There are advantages to both traditional and Roth IRAs. One of the biggest differences is the time at which you see the most advantage. A traditional IRA provides potential tax relief today, while a Roth IRA has the potential for the most tax benefit at the time of retirement.

Traditional

No income limits to open
No minimum contribution requirement
Contributions are tax-deductible on state and federal income tax¹
Earnings are tax-deferred until withdrawal (when usually in a lower tax bracket)
Withdrawals can begin at age 59½
Early withdrawals are subject to penalty²

Roth

Income limits to be eligible to open a Roth IRA³
Contributions are NOT tax-deductible
Earnings are 100% tax free at withdrawal¹
Principal contributions can be withdrawn without penalty¹
Withdrawals on dividends can begin at age 59½
Early withdrawals on dividends are subject to penalty²
No mandatory distribution age
No age limit on making contributions as long as you have earned income

interested? Let's get started!

¹Subject to some minimal conditions. Consult a tax advisor.

²Certain exceptions apply, such as healthcare, purchasing a first home, etc.

³Consult a tax advisor.