Retirement Central

Put your plans for tomorrow into motion today with a KeyPoint Individual Retirement Account (IRA). You'll find three options, all available as a Traditional or Roth IRA:

  • IRA Certificates - Lock in a fixed rate for a term of 1 month to 5 years
  • IRA Flex Savings - Build your retirement savings consistently and conveniently
  • IRA Flex Money Market -  Manage distributions and earn higher interest on higher balances

 

  IRA Certificates IRA Flex Savings IRA Flex Money Market
Description A fixed-rate IRA with terms ranging from 1-60 months. A consistent and convenient way to build savings for your retirement in a federally-insured account. The greater your balance, the higher the interest. An attractive option for accessing your IRA funds if you’re eligible for distributions.
Interest Rates View rates View rates View rates
Minimum Opening Deposit     
$1,000
$100 $10,000
To Apply Open and manage your IRA by visiting Retirement Central.

Your KeyPoint deposits are federally insured to at least $250,000 (Individual Retirement Accounts up to an additional $250,000) through the National Credit Union Administration (NCUA).

Contributory IRA Flex Savings
Rates Effective: 10/31/19
Contributory IRA Flex Savings Dividend Rate Annual Percentage Yield (APY)
$100 to $49,999.99 0.10% 0.10%
$50,000 or greater 0.15% 0.15%

Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. For more information, see the Truth in Savings Disclosure.

Rates as of 10/31/19 and are subject to change. Fees may reduce earnings. 

Contributory IRA Flex Money Market
Rates Effective: 10/31/19
Contributory IRA Flex Money Market Dividend Rate Annual Percentage Yield (APY)
$10,000 to $24,999.99 0.20% 0.20%
$25,000 to $49,999.99 0.25% 0.25%
$50,000 or greater 0.30% 0.30%

Contributory Flex IRA accounts have a variable rate. All dividends are compounded and paid monthly. 

Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. For more information, see the Truth in Savings Disclosure.

Rates as of 10/31/19 and are subject to change. Fees may reduce earnings. 

Certificate, and IRA Certificates (Traditional and Roth)
Rates Effective: 10/31/19
Minimum Term $1,000 Minimum Balance
1 month 0.25% rate 0.25% APY
3 months 0.40% rate 0.40% APY
6 months 0.65% rate 0.65% APY
12 months 1.15% rate 1.15% APY
24 months 1.45% rate 1.45% APY
36 months 1.55% rate 1.56% APY
48 months 1.70% rate 1.71% APY
60 months 2.47% rate 2.50% APY

0.10% bonus with direct deposit. Failure to maintain direct deposit during the term of the Certificate will reduce the rate by 0.10%. Certificate accounts have a fixed rate. All dividends are compounded and paid monthly and/or at maturity. A penalty may be imposed for withdrawals before the maturity of a certificate: Terms less than or equal to 12 months may have a penalty equal to 90 days of dividends on the amount withdrawn; Terms greater than 12 months may have a penalty equal to 180 days of dividends on the amount withdrawn. Certificates must maintain the rate tier minimum balance through the end of the term. If the balance falls below the rate tier minimum balance, the Certificate must be closed. 

Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. For more information, see the Truth in Savings Disclosure.

Rates as of 10/31/19 and are subject to change. Fees may reduce earnings. 

KeyPoint Financial Services*

If you're looking for more ways to build a strong financial future, KeyPoint Financial Services can help.

*Registered representatives offer securities through Securities America, Inc., Member FINRA/SIPC. Financial Advisors offer Advisory services through PFG Advisors. KeyPoint Financial Services, KeyPoint Credit Union, PFG Advisors, and Securities America are separate entities. Securities America and its representatives do not provide tax or legal advice.

This site is published for residents of the United States and is for informational purposes only and does not constitute an offer to sell or a solicitation of an offer to buy any security or product that may be referenced herein. Persons mentioned on this website may only offer services and transact business and/or respond to inquiries in states or jurisdictions in which they have been properly registered or are exempt from registration. Not all products and services referenced on this site are available in every state, jurisdiction or from every person listed.

NOT NCUA INSURED NO CREDIT UNION GUARANTEE MAY LOSE VALUE

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