Traditional IRA
A Traditional IRA is one of many great ways to save for retirement.

What is a Traditional IRA?
A Traditional IRA is a retirement account with tax-deferred earnings and the possibility of tax-deductible contributions. The possible tax advantages of a Traditional IRA make it a great option for a long-term retirement savings plan. Talk to your tax advisor to find out if a Traditional IRA is right for you.
Benefits and Features
- No monthly service charges
- Flexible investment options
- Earns dividends that are compounded and credited quarterly
- Tax deductible contributions1
Rates
Rates for Traditional IRA Savings, 59½ Share Savings IRA, and Traditional IRA Certificates.
Traditional IRA Savings
Dividend Rate | APY2 |
---|---|
0.50% | 0.50% |
59½ Share Savings IRA
Minimum age of 59½ to open an account.
Dividend Rate | APY2 |
---|---|
0.75% | 0.75% |
Traditional IRA Certificates
Rates current as of .
Term | Minimum Deposit | Dividend Rate | APY1 |
---|---|---|---|
6 Months | $ | % | % |
12 Months | $ | % | % |
18 Months | $ | % | % |
24 Months | $ | % | % |
36 Months | $ | % | % |
48 Months | $ | % | % |
60 Months | $ | % | % |
All promotional certificates must be opened with funds that are not currently held in a CapEd Credit Union account or that have been deposited to a CapEd Credit Union account less than 30 days.
Term | Minimum Deposit | Dividend Rate | APY1 |
---|---|---|---|
6 Months | $500 | % | % |
$10,000 | % | % | |
$50,000 | % | % | |
12 Months | $500 | % | % |
$10,000 | % | % | |
$50,000 | % | % | |
18 Months | $500 | % | % |
$10,000 | % | % | |
$50,000 | % | % | |
24 Months | $500 | % | % |
$10,000 | % | % | |
$50,000 | % | % | |
36 Months | $500 | % | % |
$10,000 | % | % | |
$50,000 | % | % | |
48 Months | $500 | % | % |
$10,000 | % | % | |
$50,000 | % | % | |
60 Months | $500 | % | % |
$10,000 | % | % | |
$50,000 | % | % |
Resources
Tools to help you with your retirement goals.
- Retirement Nestegg Calculator
- An IRA Can Help You Save More For Retirement
- Save for Your Retirement With a Traditional IRA
- Move Your Retirement Savings Without Losing Tax Benefits
- Is It Time To Cash In On Your Retirement Savings
- Understand Your Beneficiary Distribution Options
- Find The Right Retirement Plan For Your Business