FAQs
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We've compiled the questions we get most frequently so you have immediate access to answers about our checking and savings accounts, loans, products, services and general financial terms.
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Savings
An IRA (Individual Retirement Account) is basically a savings account intended to be used when you retire.
KeyPoint has Traditional and Roth IRA options that provide intelligent savings with tax-deferred or tax-free advantages*. 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).
*Consult with a tax advisor for qualification requirements.
| 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. | The greater your balance, the higher the interest. |
| 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’s Retirement Central. | ||
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