Scheduled System Maintenance:

Please be advised that we will be performing scheduled system maintenance on Sunday August 31, 2025, between 8:30 PM and 10:30 PM. During this time online, mobile and telephone banking will be unavailable. We apologize for any inconvenience this may cause and appreciate your understanding as we work to improve our systems to better serve our members. 

Labor Day Closure:

All Align branches and the member contact center will be closed on Monday, September 1, 2025 in observance of Labor Day.  During this period, transactions can be made through online, mobile*, and telephone banking. *Message and data charges may apply.

IRAs

Start saving for tomorrow, today. Individual Retirement Accounts (IRAs) can help you save for retirement, a future expense, and more. A safe and sensible way to grow your nest egg, you can create a strategy that's right for you with our different account options.

Traditional IRA

  • Earnings grow tax deferred
  • Ability to make deposits through payroll deduction and automatic transfers
  • Required minimum distribution begin at age 72

ROTH IRA

  • Must be employed to contribute to an IRA
  • No maximum age limit
  • Contributions are not tax deductible
  • Earnings grow tax deferred
  • Non required distributions

Tiered IRA Savings


  • Traditional or Roth options available
  • Earn more with tiered rates - the higher your balance, the higher your return
  • Allows regular deposits
  • No term limits
  • Low minimum opening balance of $2,500
  • Funds insured by NCUA and MSIC

Simplified Employee Pension (SEP) IRA

  • Established by an employer for employees to help save for retirement
  • Must be self-employed or work for someone who is
  • Contributions to a SEP IRA are made only by the employer and tax deductible for the employer only
  • Employer must make contributions for all eligible employees

IRA CDs

  • Low minimum opening deposit of $500
  • Available for both Traditional and Roth IRAs
  • Lock in a guaranteed rate for a fixed term
  • Funds are insured by NCUA and MSIC

Disclosure:

Fees may reduce earnings on accounts. Rates and Annual Percentage Yields (APYs) on transaction account may be subject to change without notice and may change after account opening. Early withdrawal penalties will be imposed on IRA accounts. Membership requirements apply.

IMPORTANT: Align Credit Union employees are not authorized to give advice regarding tax issues. If you need help in deciding what specific IRA options may best fit your needs, please talk to your tax advisor or financial planner.

Featured Rates

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5 Month IRA CD Special

4.15
% APY*

2 Year IRA CD

3.10
% APY*

5 Year IRA CD

2.85
% APY*

IRA Resources

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The Benefits of Membership

Align is a community credit union. We are committed to providing the right tools to help you reach your financial goals and deliver a customized banking experience perfectly in sync with you.

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