IRA Accounts

Planning for a Strong Financial Future

Our IRA options are one of the best ways to start planning for your future, while also reducing your taxes. CommunityAmerica offers Roth, Educational, Traditional and Certificate IRAs. As always, you’ll need to consult with your tax advisor regarding specifics of any possible tax deductibility.

Whether your priority is higher rates of return¹, flexibility or even saving for your child’s education, we can help you find the right IRA account for you. You’re also able to choose a Certificate CD, Money Market or Savings account type.

Meet Our IRA Accounts

Roth IRA

Our Roth IRAs offer competitive interest rates with a guaranteed rate of return.

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Withdraw your earnings tax free once you meet the age and account requirements.

Plus, you can use your contributions before retirement for qualified special purposes, if needed. Call us at 800.892.7957 or visit one of our locations to get started.

Traditional IRA

A great stand-alone savings option or a strong supplement to other retirement plans.

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With this type of account, you will have to pay federal income tax on your withdrawals.

Call us at 800.892.7957 or visit one of our locations to learn more and open an account.

Coverdell Educational Savings

There’s no denying that a college education comes with a hefty price tag.

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And there’s no easier way to start preparing than with a Coverdell Educational Savings Account.

Whether your child is starting college next year or in 18 years, give us a call at 800.892.7957 or visit one of our locations to learn more and open an account.

Profit Payout*

Investing in YOU by sharing our profits.

As a not-for-profit credit union, we return our profit to those who bank with us in many ways – like competitive rates, low fees, and our annual Profit Payout. See how much you may be able to earn through our long-standing annual give-back, where we’ve returned $100 million to members over the past 13 years.

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Wealth Management

Our Wealth Advisors can help with your financial plan².

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High Interest Savings

Grow your money faster at a rate of up to 5.00% APY³ on balances up to $2,500.

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Advantage Money Market

Enjoy a higher rate of return, plus the flexibility of liquid funds.

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1 IRA Accounts. APY = Annual Percentage Yield is valid as of 6/16/2025 and is subject to change. Applicable term’s rate is fixed until maturity. Minimum opening balance is $500. Maximum IRA contribution and age limits set by the IRS apply. A penalty may be imposed for early withdrawal. An Internal Revenue Service penalty may also apply for early withdrawals; please consult a tax professional. Fees could reduce earnings.

2 Wealth Management by CommunityAmerica. Securities and advisory services offered through Copper Financial Network, LLC (“Copper Financial”), Member FINRA/SIPC. Copper Financial is a SEC registered investment adviser. Copper Financial is a wholly-owned subsidiary of CommunityAmerica Credit Union. Wealth Management by CommunityAmerica is a marketing name used by Copper Financial. For important disclosures from Copper Financial, including our Form CRS, please visit here. Investment and insurance products, including annuities:

Are Not Deposits

Are Not NCUA or otherwise Federally Insured

Are Not Credit Union Guaranteed

May Lose Value

3 High Interest Savings. APY=Annual Percentage Yield and assumes interest is reinvested and the rate continues for a year. The APY is variable and may change after the account is opened. You must maintain the minimum daily balance required to obtain the applicable APY. Fees could reduce earnings on the account. First Tier: 5.00% APY from $1.00 - $2,500, if First Tier qualifications are met. Second Tier: 0.03% APY on $2,500.01 or more, and on balance if First Tier qualifications are not met. The account requires a $1 minimum opening deposit. First tier APY is conditional on meeting the following requirements on the day before the last day of the month to receive benefits for that same month: enrollment in eStatements; monthly direct deposit of at least $250 posted to one deposit account; 15 posted point-of-sale debit card transactions per month to a single checking account tied to the membership; OR enrollment in eStatements and 25 posted point-of-sale debit card transactions per month to a single checking account tied to the membership. Transactions exclude refunds, credits, fees, pre-authorizations and ATM transactions. Each statement period that conditions are met after the account is opened, First Tier APY will be applied at the end of the statement period. If qualifications are not met, First Tier APY will discontinue and revert to the credit union’s base rate for Savings accounts until conditions are met. Due to compounding, interest earned may push balances into next rate tier, causing an APY change. If Checking account relationship is terminated or becomes inactive, First Tier APY will discontinue and revert to the credit union’s base rate for Savings accounts until conditions are met. Limit one High Interest Savings or Delta Savings account per member. Rates effective as of 6/16/2025.

IRA Accounts

Planning for a Strong Financial Future

Meet Our IRA Accounts

Ready to Open an IRA Account?

Profit Payout*

Investing in YOU by sharing our profits.

Member Favorites

Wealth Management

High Interest Savings

Advantage Money Market

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