SAVE FOR YOUR FUTURE

Leverage a Vermont Federal IRA account to help you save for retirement, higher-education expenses, or your first house. With three great programs, you can be confident that we have the right account for you.

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IRA Certificate Rates

Available Terms

Limited Time Offer

2.78%

Annual Percentage Yield*

Which IRA Option is right for you?

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I want to save tax deferred until retirement.

A traditional IRA allows contributions that are tax deductible (within the IRS limits), and grows tax deferred until you withdraw the funds.

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I want to withdraw my funds tax-free during retirement.

Roth IRAs are not tax-deductible, but your investment will grow free of taxes and you will be able to withdraw the money tax-free during retirement.

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I want to save for my child’s education.

A Coverdell Education Savings Account is a tax-deferred trust account that was implemented by the U.S. government to help families in funding educational expenses for beneficiaries 18 years old or younger. Exceptions for the age restrictions are made for children with special needs.

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Not intended as tax advice. Please consult a tax professional.

*APY = Annual Percentage Yield. Early withdrawal penalty will apply. Fees could reduce earnings on account. Minimum balance to open is $500. At the end of the 28 month term, if no action is taken, the account would roll into the 36 month share certificate with applicable market rates at that time. Must be a member of the Credit Union to open a share certificate. Offer and rates subject to change without notice.

** Flex Certificate has a one-time option to increase the rate on your certificate during the term. The new rate will be applied for the remainder of the term. Automatic roll-over at maturity to 18 month CD at the current rate.

Renew your maturing Term Share Certificate or IRA Certificate with a longer term (add at least six additional months to our available terms) and we will add .10% APR! This renewal bonus cannot be used for any other term share certificate or combined with any other renewal coupons and does not apply to current 60-month term certificates/IRAs or promotional rates. This offer expires 10 calendar days after the term share certificate maturity date. All rates are subject to change without notice. Fees could reduce earnings on the account.

A traditional IRA allows contributions that are tax deductible (within the IRS limits), and grows tax deferred until you withdraw the funds.

Who can contribute?

  • Anyone who has earned income (or who is filing jointly with a spouse who earns compensation)
  • If you have received a distribution from a qualified retirement plan and decide to rollover the proceeds of that plan into an IRA

How much?

  • Regular Contribution: $6,000 per year
  • Over Age 50: $7,000 per year
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Still have questions?

We’ll help point you in the right direction.

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