Invest in your retirement with these reliable options.

Contact us today to open your account.


Versatile options

Traditional and Roth IRAs are available.

Fast growth

Your dividends are compounded quarterly.

Reliable protection

Your money is federally insured by the National Credit Union Administration (NCUA) to at least $250,000. Learn more at

Kredifyfed credit union IRA Accounts

Choose the retirement account that works for your unique timeline and goals.

IRA Share Certificates

These Certificates offer a fixed yield and term with a fixed maturity

Term Share Certificate1 Jumbo Share Certificate
12 Months 4.61% 4.86%
15 months– Special 4.95% N/A
24 Months 4.11% 4.36%
36 months 3.81% 4.06%
48 months 3.61% 3.86%
60 months 3.61% 3.86%

Accurate as of 03/29/2023

Bump-up share certificate

Our 24-month Bump-Up Share Certificate offers the option to bump the rate once during the 24-month term.

Term APY4
24 Months 3.81%

Accurate as of 03/29/2023

IRA Savings Accounts

These accounts have variable interest and no fixed term. Plus, there’s no minimum opening deposit required.

Balance APY4
$10,000 and over 0.40%
$0 to $9,999.99 0.25%

Accurate as of 03/29/2023

Traditional vs Roth

Traditional IRAs

These are potentially tax-deferred retirement plans. Your qualified contributions may be tax-deductible and can be made at any age, as long as you have earned income. Taxes are paid on your funds at the time of withdrawal.

Annual contribution limits for Traditional IRAs

Age 2022 2023
Under 50 $6,000 $6,500
50 and over $7,000 $7,500

Accurate as of 03/29/2023

Roth IRAs

Roth IRA contributions are made with after-tax dollars. Funds are tax-free when withdrawn unless you are taxed for early withdrawal penalties before age 59 ½. As long as you have earned income, contributions can be made at any age.

Annual contribution limits for Roth IRAs

Age 2022 2023
Under 50 $6,000 $6,500
50 and over $7,000 $7,500

Accurate as of 03/29/2023

FAQs: You asked. We answered.

Jumbo Share Certificates are the same as our standard Share Certificates except that they have a minimum balance requirement of $100,000 (versus $5,000 for our standard Certificates).

  • Be a U.S. citizen or resident alien.
  • Be 18 years of age or older.
  • Have a Social Security number and a driver’s license, military ID, passport, permanent resident card, or state-issued ID.

It can take up to three business days for an application to be approved or denied. Don’t want to wait? Check your application status now.

If you already submitted an application, you can check its status online. Don’t want to wait? Check your application status now.

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