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Retirement Accounts

Your future deserves a plan.

Open retirement account
Older couple relaxing together on their front porch

A clear path to your next chapter.

Retirement is about building independence for your future self, step by step.

Cash Back

Keep More of What You Save

First U.S. charges no trustee or administrative fees on its retirement accounts.

Briefcase

Added Protection for IRA Savings

IRA funds are separately insured by the NCUA for up to an additional $250,000.

Calendar

More Time to Make Contributions

Make IRA contributions during the tax year and, in many cases, through Tax Day of the following year.

Grow Money

Potential Tax Advantages

Depending on the IRA you choose, you may qualify for different tax advantages.

Compare Your IRA Options

Traditional, Roth, Coverdell, and SEP accounts each work a little differently. Here’s a quick look at the basics.

  • Best For…

    Best For…

  • Who Can Contribute?

    Who Can Contribute?

  • Tax-Deductible Contributions*

    Tax-Deductible Contributions*

  • Tax-Free Earnings*

    Tax-Free Earnings*

  • Tax-Free Withdrawals*

    Tax-Free Withdrawals*

  • Required Min. Distributions (73)*

    Required Min. Distributions (73)*

  • 2026 Contribution Limits

    2026 Contribution Limits

Traditional IRA

  • Best For…

    Saving for retirement with tax-deferred earnings and possible tax deductions

  • Who Can Contribute?

    Individuals

  • Tax-Deductible Contributions*

  • Tax-Free Earnings*

  • Tax-Free Withdrawals*

  • Required Min. Distributions (73)*

  • 2026 Contribution Limits

    $7,500
    $8,600 50+

Roth IRA

  • Best For…

    After-tax retirement savings with the potential for tax-free income

  • Who Can Contribute?

    Individuals

  • Tax-Deductible Contributions*

  • Tax-Free Earnings*

  • Tax-Free Withdrawals*

  • Required Min. Distributions (73)*

  • 2026 Contribution Limits

    $7,500
    $8,600 50+

Coverdell ESA

  • Best For…

    Saving for a child’s qualified education expenses

  • Who Can Contribute?

    Anyone

  • Tax-Deductible Contributions*

  • Tax-Free Earnings*

  • Tax-Free Withdrawals*

  • Required Min. Distributions (73)*

    n/a

  • 2026 Contribution Limits

    $2,000 per beneficiary per year

SEP IRA

  • Best For…

    Employer-funded retirement savings for small businesses and self-employed individuals

  • Who Can Contribute?

    Employers or Self-Employed

  • Tax-Deductible Contributions*

  • Tax-Free Earnings*

  • Tax-Free Withdrawals*

  • Required Min. Distributions (73)*

  • 2026 Contribution Limits

    Up to 25% of compensation, max $72,000

A Closer Look at Your IRA Options

Traditional IRA

A retirement account with potential tax benefits today and tax-deferred earnings for later.

  • Contribute at any age if compensation requirements are met
  • Roll over eligible assets from many employer-sponsored retirement plans
  • Required minimum distributions apply later in retirement

Roth IRA

An after-tax retirement account with the potential for tax-free income later.

  • Qualified distributions may be tax-free
  • No required lifetime distributions for the original account owner
  • Eligible retirement assets may be rolled over or converted

Coverdell Education Savings Account

A tax-advantaged account for a child’s qualified education expenses.

  • Family members and others may contribute within IRS income limits
  • Use funds for eligible costs such as tuition, books, supplies, and equipment
  • Transfer or roll over funds to another eligible family member’s ESA

SEP IRA

A retirement option for self-employed individuals and small businesses.

  • Employer contributions are made to each participant’s Traditional IRA
  • Employers choose whether to contribute from year to year
  • Contributions are made on behalf of eligible employees

Choose Where Your IRA Funds Grow

Cash Back

IRA Certificate

Best for steady, predictable growth.

  • Fixed, tiered rates
  • Terms from 3 to 60 months
  • Open with $500
Savings

IRA Savings

Best for starting small and saving regularly.

  • Open with as little as $100
  • Earn dividends on your balance
  • Make ongoing contributions
Graph

IRA Money Market

Best for larger IRA balances.

  • Typically higher dividends than standard savings.
  • Additional IRA insurance protection

Retirement Account Rates

See current rates for First U.S. retirement savings options.

Certificates (Share & IRA)

Share & IRA
Certificates

$500 Minimum Balance

$10,000 Minimum Balance

$50,000 Minimum Balance

$100,000 Minimum Balance

*Annual Percentage Yield (APYs), terms, offers effective November 12, 2026 and subject to change. Withdrawals will reduce earnings. Certificates: Penalty for early withdrawal.

Share & IRA
Certificates

Term

$500 Minimum Balance

APR*

Rate

$10,000 Minimum Balance

APR

Rate

$50,000 Minimum Balance

APR

Rate

$100,000 Minimum Balance

APR

Rate

Share & IRA
Certificates

3 months

$500 Minimum Balance

2.90%

2.862%

$10,000 Minimum Balance

2.90%

2.862%

$50,000 Minimum Balance

2.90%

2.862%

$100,000 Minimum Balance

2.90%

2.862%

Share & IRA
Certificates

6 months

$500 Minimum Balance

2.95%

2.911%

$10,000 Minimum Balance

3.00%

2.960%

$50,000 Minimum Balance

3.00%

2.960%

$100,000 Minimum Balance

3.00%

2.960%

Share & IRA
Certificates

9 months

$500 Minimum Balance

3.05%

3.008%

$10,000 Minimum Balance

3.10%

3.057%

$50,000 Minimum Balance

3.10%

3.057%

$100,000 Minimum Balance

3.10%

3.057%

Share & IRA
Certificates

12 months

$500 Minimum Balance

3.10%

3.057%

$10,000 Minimum Balance

3.15%

3.105%

$50,000 Minimum Balance

3.15%

3.105%

$100,000 Minimum Balance

3.20%

3.154%

Share & IRA
Certificates

18 months

$500 Minimum Balance

3.10%

3.057%

$10,000 Minimum Balance

3.15%

3.105%

$50,000 Minimum Balance

3.15%

3.105%

$100,000 Minimum Balance

3.20%

3.154%

Share & IRA
Certificates

24 months

$500 Minimum Balance

3.15%

3.105%

$10,000 Minimum Balance

3.25%

3.203%

$50,000 Minimum Balance

3.25%

3.203%

$100,000 Minimum Balance

3.30%

3.251%

Share & IRA
Certificates

36 months

$500 Minimum Balance

3.30%

3.251%

$10,000 Minimum Balance

3.30%

3.251%

$50,000 Minimum Balance

3.30%

3.251%

$100,000 Minimum Balance

3.40%

3.348%

Share & IRA
Certificates

48 months

$500 Minimum Balance

3.35%

3.300%

$10,000 Minimum Balance

3.40%

3.348%

$50,000 Minimum Balance

3.40%

3.348%

$100,000 Minimum Balance

3.50%

3.445%

Share & IRA
Certificates

60 months

$500 Minimum Balance

3.50%

3.445%

$10,000 Minimum Balance

3.55%

3.497%

$50,000 Minimum Balance

3.55%

3.497%

$100,000 Minimum Balance

3.60%

3.545%

IRA Share

APY*

Rate

Minimum Balance to Open

Minimum Balance to Earn Dividends

*APY = Annual Percentage Yield. Rate = Dividend Rate.
Rates and terms effective November 12, 2026 and are subject to change without notice.

APY*

0.10%

Rate

0.100%

Minimum Balance to Open

$0

Minimum Balance to Earn Dividends

$100+

Money Market Savings & IRA

Balance

APY*

Rate

Minimum Balance to Open

Minimum Balance to Earn Dividends

*APY = Annual Percentage Yield. Rate = Dividend Rate.
Rates and terms effective November 12, 2026 and are subject to change without notice.

Balance

$0-$24,999

APY*

0.65%

Rate

0.650%

Minimum Balance to Open

$2,000

Minimum Balance to Earn Dividends

$2,000

Balance

$25,000-$99,999

APY*

1.65%

Rate

1.638%

Minimum Balance to Open

$2,000

Minimum Balance to Earn Dividends

$25,000

Balance

$100,000-$249,999

APY*

1.70%

Rate

1.687%

Minimum Balance to Open

$2,000

Minimum Balance to Earn Dividends

$100,000

Balance

$250,000-$499,999

APY*

1.95%

Rate

1.933%

Minimum Balance to Open

$2,000

Minimum Balance to Earn Dividends

$250,000

Balance

$500,000+

APY*

2.15%

Rate

2.129%

Minimum Balance to Open

$2,000

Minimum Balance to Earn Dividends

$500,000

Smart Start High Yield Savings & IRA

Balance

APY*

Rate

Minimum Balance to Open

Minimum Balance to Earn Dividends

*APY = Annual Percentage Yield. Rate = Dividend Rate
Rates and terms effective November 12, 2026 and are subject to change without notice. Smart Start Savings Account APY is earned on the portion of your balance in each rate tier. First $5,000 must be funds new on deposit to First U.S. Limit one Smart Start Savings Account per member. Check access not available.

Balance

$0-$2,000

APY*

4.00%

Rate

3.928%

Minimum Balance to Open

$0

Minimum Balance to Earn Dividends

$0

Balance

$2,000.01-$5,000

APY*

1.50%

Rate

1.490%

Minimum Balance to Open

$0

Minimum Balance to Earn Dividends

$2,000

Balance

$5,000.01-$10,000

APY*

0.25%

Rate

0.250%

Minimum Balance to Open

$0

Minimum Balance to Earn Dividends

$5,000

Balance

$10,000.01-$50,000

APY*

0.08%

Rate

0.080%

Minimum Balance to Open

$0

Minimum Balance to Earn Dividends

$10,000

More Tools for Retirement Planning

Looking for more information? Retirement Central brings together planning calculators, FAQs, articles, and other retirement resources in one place.

Visit Retirement Central
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Retirement Account FAQ

Generally, you or your spouse must have earned compensation to contribute to a Traditional or Roth IRA. If you file a joint tax return, you may still be eligible to contribute based on your spouse’s compensation.

RMDs are minimum amounts you may be required to withdraw from certain retirement accounts each year. Traditional IRA owners must begin taking required minimum distributions at age 73. Roth IRA owners are not required to take distributions during their lifetime.

Yes. You can contribute to both in the same year, but your combined contributions cannot exceed the applicable annual IRA contribution limit.

Eligible assets from many employer-sponsored retirement plans, such as a 401(k), may be rolled into a Traditional or Roth IRA. Rules can vary by account and transaction. Check with your plan administrator before moving funds.

See All Retirement Accounts FAQs

Let’s keep going.

Savings

Build savings for short-term needs, unexpected expenses, or future plans with a First U.S. savings account.

Learn more

Certificates

Earn a fixed rate for a set term and give your savings a predictable way to grow.

Learn more

Disclosures

*Consult with your tax advisor about potential tax benefits and your individual situation.

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