Take Tomorrow Into Consideration

Traditional IRA

When considering your retirement, plan smart and choose a Soarion Traditional IRA.

Stop by a Soarion Financial Center or schedule an appointment to open a Traditional IRA.

Questions? Contact Us

Competitive Rates

Insured by NCUA

No Monthly Fee

Earns Dividends

About Traditional IRAs

With Soarion Traditional IRAs, You Can Save for Retirement.

A Traditional IRA is a retirement savings plan that allows you to make tax-deductible contributions. And, your earnings are tax-deferred until you withdraw the funds. Start small with as little as $5 and build up your balance with regular deposits.

Traditional IRA Basics

$5 minimum opening balance
Competitive rates
Guaranteed return
Tax deferred
Insured by NCUA

Traditional IRA Account Rates

Rates effective as of: 3-16-2026

Rates effective as of: 07/01/2026

Minimum Balance

Dividend Rate

APY*

Up to $2,499.99

0.30%

$2,500.00 - $9,999.99

0.30%

$10,000.00 - $24,999.99

0.30%

$25,000.00 - $49,999.99

0.45%

$50,000.00 - $89,999.99

0.45%

$90,000.00 - $99,999.99

0.55%

$100,000 and up

0.55%

More Ways to Invest

IRA Share Certificates

An IRA/Roth IRA Share Certificate combines high-yield dividends like a traditional certificate with IRA tax advantages. Invest in your future with a minimum of $1,000 for terms of one to seven years.

Roth IRA

A Roth IRA is a retirement savings plan where contributions are made after tax, but earnings and withdrawals in retirement are tax-free. It’s best for those expecting to be in a higher tax bracket in retirement.

Wealth Solutions

Soarion Wealth Solutions* offers various investment products and services with flexible options to help clients achieve their financial goals. Nahid Karimjee, CFP®, a Senior Financial Advisor, provides guidance and education to create personalized wealth management plans.

More Ways to Invest

IRA Share Certificates

An IRA/Roth IRA Share Certificate combines high-yield dividends like a traditional certificate with IRA tax advantages. Invest in your future with a minimum of $1,000 for terms of one to seven years.

Roth IRA

Wealth Solutions

* APY = Annual Percentage Yield. Dividends Compounded: Monthly. Dividends Credited: Monthly. Balance Computation Method: Dividends are calculated using the daily balance method. This method applies a daily periodic rate to the principal in the account each day. Minimum $5.00 opening balance required. Rates subject to change at any time without notice.

For a comprehensive review of your personal situation, always consult with a tax or legal advisor. Neither Osaic Institutions or any of its representatives may give legal or tax advice.

Investment and insurance products and services are offered through OSAIC INSTITUTIONS, INC., MEMBER FINRA / SIPC.

“Soarion Wealth Solutions” is a trade name of Soarion Credit Union. Osaic Institutions and Soarion are not affiliated.

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