No. You will need to meet with one of our financial champions at a branch near you to open your IRA.

Yes. There is a minimum of $1,000 to open your Individual Retirement Account.

Yes. Credit unions are owned by members and you must join to be a member. The membership fee is a one-time charge of $25.

Dividends are money you earn for maintaining a balance in certain accounts. An account dividend is expressed as a percentage and calculated based on the average daily balance in the account for a month. Dividends are paid monthly or quarterly, depending on the account. The APY is the Annual Percentage Yield and represents the total actual percentage that a fixed sum in an account would earn in a year, including dividend accruals.

Leaders’ IRA dividends are based on the term you choose. Earn 0.50% APY¹ for a 12-month term, 0.60% APY¹ for a 24-month term, 0.70% APY¹ for a 36-month term, and our maximum percentage, 0.80% APY¹, for a 48- or 60-month term.

The minimum balance to earn dividends is $1,000. There’s no minimum balance to avoid service charges, but if your balance drop below the minimum, your dividends will stop until your balance increases.