Individual Retirement Accounts (IRAs)

Securing your future requires planning and smart choices. TOPCU IRAs can play a key role in preparing for retirement or covering education expenses. With three IRA Options, it’s easy to find something to meet your individual needs. $1,000 minimum deposit is required to open an IRA. TOPCU offers both tiered-rate and term options for your IRA deposits.

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.

Education IRA

With college costs rising, students and families can hedge future expenses now.

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%

Rates last updated August 3rd, 2017. Rates subject to change any time without notice. *APY = Annual Percentage Yield

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%

Rates last updated August 3rd, 2017. Rates subject to change any time without notice. Dividends are paid and compounded quarterly from date of deposit and are available for withdrawal. Penalty for early withdrawal will apply. *APY=Annual Percentage Yield.

Dividends are paid and compounded quarterly from date of deposit and are not available for withdrawal. Penalty for early withdrawal will apply. Refer to the Certificate Truth-in-Savings Account Disclosure and New Member Account Disclosure for more information.