Your road to retirement
Diversify your investment portfolio by choosing between Traditional and Roth IRA options.
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Retirement Central

KeyPoint Credit Union offers Traditional and Roth IRA options that provide intelligent savings features and potential tax advantages*. Check out the details of our IRAs and the competitive rates we offer compared to other Bay Area banks. If you're interested in more sophisticated retirement options, visit our Wealth Management site.

*Consult with a tax advisor for qualification requirements.

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Which IRA is right for you?

  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 KeyPoint Credit Union’s 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: 1/12/18
Contributory IRA Flex SavingsDividend RateAnnual Percentage Yield (APY)
$100 to $49,999.990.100%0.100%
$50,000 or greater0.150%0.150%
Contributory IRA Flex Money Market
Rates Effective: 1/12/18
Contributory IRA Flex Money MarketDividend RateAnnual Percentage Yield (APY)
$10,000 to $24,999.990.200%0.200%
$25,000 to $49,999.990.250%0.250%
$50,000 or greater0.300%0.300%

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

Certificate, and IRA Certificates (Traditional and Roth)
Rates Effective: 1/12/18
Minimum Term$1,000 Minimum Balance
1 month0.2500% rate 0.2500% APY
3 months0.4000% rate 0.4005% APY
6 months0.6500% rate 0.6518% APY
12 months1.0500% rate 1.0551% APY
24 months1.3500% rate 1.3588% APY
36 months1.4000% rate 1.4096% APY
48 months1.6000% rate 1.6126% APY
60 months1.9500% rate 1.9688% 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.