Save for the future with our IRAs.


IRA Certificates

  • Terms range from three months to 5 years
  • Minimum deposit to open is $1,000.00
  • Dividends paid monthly
  • Dividends can be compounded or transferred to a different credit union account (age requirements apply for IRA dividend disbursal)

Individual Retirement Accounts (IRA)

Traditional IRA

Offers tax-deferred earnings and the possibility for tax-deductible contributions. 

Roth IRA

Contributions are not tax-deductible, however, money in your Roth IRA including earnings can be withdrawn tax-free when you meet plan provisions. (Income limits apply)

Educational IRA

Allows a non-deductible $2,000.00 annual contribution per child to accumulate tax-free for educational purposes (Income limits apply). 

SEP (Simplified Employee Pension)

Plan helps the self-employed individual and the owner of a small business save for retirement for themselves and their employees. 

Your IRA funds at Rave Financial are federally insured separately for up to a maximum of $250,000 by the National Credit Union Administration (NCUA). Dividends are paid and compounded monthly on your daily balance.

What is the Difference Between a 401(K) and a Roth IRA?

Retirement Questions for the Self-Employed

Traditional IRA versus Roth IRA

Spend. Save. Thrive.

5.9% APR on all balance transfers for the life of the balance!


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