IRA Savings Account

Start building the retirement you imagine.

Whether you prefer the immediate tax advantages of a Traditional IRA or the long-term tax-free growth of a Roth IRA, you have options to fit your strategy.

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Benefits of an IRA Savings Account

  • Save for retirement with valuable tax advantages3
  • Track your growth through online banking
  • Make contributions year round
  • Save for retirement with tax advantages3
  • Competitive interest above standard savings rates 
  • Traditional and Roth IRA options 
  • No setup fees 
  • No monthly or annual maintenance fees 
  • Annual contribution limits apply3
  • Additional $1,000 "catch-up" contribution allowed for ages 50+ 

Traditional IRA 

  • Contributions are tax deductible on state and federal income tax1 
  • Earnings are tax deferred until withdrawal
  • Withdrawals can begin at age 59½ 
  • Early withdrawals subject to penalty2 
  • Mandatory withdrawals at age 73 

Roth IRA 

  • Contributions are NOT tax deductible 
  • Earnings are 100% tax free at withdrawal1 
  • Principal contributions can be withdrawn without penalty1 
  • Withdrawals on interest can begin at age 59½ 
  • Early withdrawals on interest subject to penalty2 
  • No mandatory distribution age 
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1Subject to some minimal conditions. Consult a tax advisor. 

2Certain exceptions apply, such as healthcare, purchasing first home, etc. 

3Consult a tax advisor. 

CalculatorDisclaimer

Use this calculator to determine your projected earnings from our account. Move the sliders or type in the numbers to see your potential rewards.

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  • Estimated Annual Rewards $0
  • Estimated monthly interest earned* $0
  • Monthly ATM fees refunded**$0
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*Qualifications, limits and other requirements may apply. See details for more info.

**The maximum total of refunds on ATM withdrawal fees per monthly qualification cycle is 25.

Buy vs. Lease CalculatorDisclaimer

This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.

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2. Loan Details
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3. Lease Details
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  • Net cost of buying $0
  • Net cost of leasing $0
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CD CalculatorDisclaimer

A fixed-rate, fixed-term CD can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.

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  • Total value at maturity $0
  • Total interest earned $0
  • Annual Percentage Yield (APY)0.000%
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Savings Goal CalculatorDisclaimer

Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.

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  • Monthly deposit needed to reach goal $0
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Simple Loan CalculatorDisclaimer

This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.

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  • Estimated monthly payment $0
  • Total paid $0
  • Total interest paid $0
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Current CD Rates

7-Month CD Special

13-Month CD Special

3.65% APY*

3.25% APY*

*7-month certificate automatically renews into a 6-month term at prevailing rates unless redeemed within 10 days of maturity. 13-month certificate automatically renews into a 12-month term at prevailing rates unless redeemed within 10 days of maturity. $1,000 minimum balance required. Annual Percentage Yield (APY). Penalty for early withdrawal. Fees may reduce earnings. No institutional investors. Rates effective December 22, 2025. Limited time offer. Rates subject to change without notice.

Kasasa Cash*

Balance Minimum Opening Deposit Rate APY
0 - $15,000 $x 0.00% 0.00%
$15,000+ $x 0.00% 0.00%
All balances if qualifications not met $x 0.00% 0.00%

Qualifications

xx

Kasasa Saver*

Balance Minimum Opening Deposit Rate APY
0 - $15,000 $x 0.00% 0.00%
$15,000+ $x 0.00% 0.00%
All balances if qualifications not met $x 0.00% 0.00%

Qualifications

xx