Individual Retirement Accounts (IRAs)

Securing your future requires planning and smart choices. IRAs can play a key role in preparing for retirement or covering education expenses. With TOPCU offering both Traditional and Roth IRAs, we can help you find something to meet your individual needs. Both tiered-rate and term options are available for your IRA deposits with only a minimum $1,000 opening deposit.

Traditional IRA

Enjoy tax-deferred earnings and possible tax deductions.

Roth IRA

Contributions are not tax deductible, but deductions are tax-free with certain conditions.

IRA Savings Rates

Tier APY*
$0 - $2,499.99 0.00%
$2,500.00 - $4,999.99 0.05%
$5,000 - $24,999.99 0.05%
$25,000 - $49,999.99 0.10%
$50,000 - $99,999.99 0.15%
$100,000+ 0.20%

*APY=Annual Percentage Yield. The rate may change any time after the account is opened. Account fees could reduce the earnings on the account. Rates are current as of January 19th, 2018.

IRA Certificate Rates

Term APY*
6 month 0.10%
1 Year 0.15%
2 Year 0.25%
3 Year 0.38%
4 Year 0.59%
5 Year 0.75%

*APY=Annual Percentage Yield. Dividends are paid and compounded quarterly from date of deposit. Penalty for early withdrawal will apply. Account fees could reduce the earnings on the account. Rates are current as of January 19th, 2018.