Find A Surchare-Free ATM:

Get access to thousands of fee-free ATMs by using the find a ATM feature, with the CO‑OP network, you have access to nearly 30,000 surcharge‑free* ATMs. When searching for a location, please select an ATM to ensure that you are not charged a fee by the ATM owner/operator. Click here to find the nearest surcharge-free* ATM.

System Conversion: Effective June 1, 2026

To better serve our members' financial needs, we will be upgrading our core system. For information regarding system availability the days leading up to the conversion and details about what to expect, please refer to our Member Conversion Resource Guide.

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

3.85
% 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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