Credit Union Retirement Accounts
Advia Credit Union offers Traditional and Roth IRA accounts with competitive rates, flexible terms, and IRA tax advantages to help you save for retirement. Explore your options below or talk to our team for help.
Explore your retirement savings options.
IRA Certificates of Deposit
Secure your retirement savings with a guaranteed return from an IRA certificate of deposit. Our Traditional and Roth IRA CD options offer competitive rates with flexible terms. Schedule an appointment today or visit your local branch.
Earn up to
4.51% APY1
with Advantage Plus Rewards
- Competitive IRA CD rates
- $500 minimum deposit
- Flexible 3 to 60-month terms
IRA Savings Account
Our IRA Share Savings account lets you save for retirement with no minimum balance requirement. It's a simple, flexible IRA savings account built for steady growth.
Interest
Paid
Quarterly
- Allowable contributions up to the annual IRA limit
- Earn interest on balances of $500 or more
- Choose Traditional or Roth
Compare your retirement account options side-by-side.
Not sure which retirement account is right for you? If you want flexible, ongoing contributions, IRA Savings may be the better fit. If you want a guaranteed rate on money you can set aside, consider an IRA CD. This comparison can help you decide.
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Retirement Col 1
|
IRA Share Savings
|
IRA CD
|
|---|---|---|
| Advantage Plus Rewards | Not checked |
Checked
|
| Interest Paid | Quarterly | Monthly |
| Minimum Deposit to Earn Interest | $500 | $500 |
| Fixed term required | No | Yes (3 to 60 months) |
| Best for | Flexible, ongoing contributions | Locking in a guaranteed rate |
| Traditional & Roth available |
Checked
|
Checked
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Estimate how much you'll need for retirement.
Use this calculator to see how your retirement savings could grow over time. Enter your current age, retirement age, income, and monthly savings to get an estimate. This tool is for planning purposes only and does not account for taxes or withdrawal penalties.
Tools & Calculators
Plan for retirement with our free calculators.
- Save for Retirement: Calculate your retirement goals
- 401(k) Calculator: Estimate how your 401(k) contributions will grow
- Traditional 401(k) vs. Roth 401(k): Compare the tax advantages of each option
- How Long Will My Retirement Savings Last?: See if your savings will sustain your retirement lifestyle
Frequently Asked Questions
An IRA (Individual Retirement Account) is a tax-advantaged account designed to help you save for retirement. Unlike a regular savings account, an IRA lets your money grow tax-deferred or tax-free depending on whether you choose a Traditional or Roth IRA. At Advia, both types are available as IRA Savings Accounts or IRA CDs, and your funds are federally insured by the NCUA up to $250,000.
A Traditional IRA lets you make contributions that may be tax-deductible, and your savings grow tax-deferred until you withdraw in retirement. A Roth IRA uses after-tax contributions, but qualified withdrawals in retirement are completely tax-free. Both types are available as IRA Savings Accounts or IRA CDs at Advia.
Yes. Credit unions like Advia offer IRA accounts with competitive rates, lower fees, and personalized service. Your retirement savings are also federally insured by the NCUA up to $250,000 per depositor.
The IRS sets IRA contribution limits each year. For current limits, visit IRS.gov or speak with an Advia team member.
It depends on how you want to save. An IRA Savings Account gives you flexibility to contribute anytime with no fixed term. An IRA CD locks in a guaranteed rate for a set period. Many members use both together for a balanced retirement savings strategy.
IRAs offer tax benefits that regular savings accounts don't. With a Traditional IRA, your contributions may lower your taxable income now. With a Roth IRA, you pay taxes upfront but enjoy tax-free withdrawals in retirement. Either way, your savings grow without being taxed year to year.
You can open an IRA Savings Account or IRA CD online, by phone, or at any Advia branch. Our team is happy to help you choose the right option and walk you through the process.
Have questions about our credit union retirement accounts? We're here to help.
- Annual Percentage Yield of 4.51% to be paid on balances in 7-Month Promo CD when account activity meets qualifications as Advantage Plus Rewards at time of opening. Account activity that does not meet Advantage Plus Rewards qualifications will earn an APY of 4.25%. APY is accurate as of 06/16/2026 and is based on an assumption that dividends will remain in that account until maturity. A withdrawal will reduce earnings. Early CD withdrawal penalties may apply. 7-Month Promo rate terms to revert to non-promo 6-Month terms upon maturity. $500 minimum balance. See adviacu.org/APlus for qualifications. All offers and rates are subject to change at any time. Restrictions apply.