TOPCU 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. A $1,000 minimum deposit is required to open an IRA.

TOPCU Traditional IRA

Enjoy Tax-deferred earnings and possible tax deductions.


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

TOPCU Education IRA

With college costs rising, parents or other interested parties 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%

Last updated June 27th, 2017.

IRA Certificate Rates

Tier APY
6 month 0.10%
1 Year 0.15%
2 Year 0.25%
3 Year 0.38%
4 Year 0.59%

Last updated June 27th, 2017.

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.

Call (520) 881-6262, ext. 702 to speak with a representative who can help you match a TOPCU IRA to your retirement or education plan

As of April 1. 2006, legislation increased the maximum level of share insurance coverage for certain retirement accounts, including traditional and roth IRAs, to $250,000. disclosure


Rates may be fixed or variable and may include discounts or other promotional conditions. Rates are subject to change without notice.