IRA Savings
For All Your Future Needs
Secure your future with IRA options from Allegiance Credit Union. Start building your nest egg today!
IRA CD Rates
Unlock competitive rates on the terms that fit your needs. It's never too early to start saving for retirement!
|
Certificate Term
|
Dividend Rate
|
APY*
|
|---|---|---|
|
12 Months
|
2.18%
|
2.20%
|
|
18 Months
|
2.33%
|
2.35%
|
|
24 Months
|
3.49%
|
3.55%
|
|
36 Months
|
2.47%
|
2.50%
|
|
48 Months
|
2.52%
|
2.55%
|
|
60 Months
|
2.57%
|
2.60%
|
|
7 Month Promo
|
3.93%
|
4.00%
|
|
13 Month Promo
|
3.69%
|
3.75%
|
Effective Date
April 14, 2025
IRA CD Rates
The more you save, the more you earn. Unlock competitive rates on the terms that fit your needs.
|
Certificate Term
|
Dividend Rate
|
APY*
|
|---|---|---|
|
12 Months
|
2.52%
|
2.55%
|
|
18 Months
|
2.57%
|
2.60%
|
|
24 Months
|
3.49%
|
3.55%
|
|
36 Months
|
2.62%
|
2.65%
|
|
48 Months
|
2.67%
|
2.70%
|
|
60 Months
|
2.76%
|
2.80%
|
|
7 Month Promo
|
3.93%
|
4.00%
|
|
13 Month Promo
|
3.69%
|
3.75%
|
Effective Date
April 14, 2025
Super IRA CD Rates
Maximize your retirement fund with a Super IRA. Unlock competitive rates on the terms that fit your needs.
|
Certificate Term
|
Dividend Rate
|
APY*
|
|---|---|---|
|
12 Months
|
2.62%
|
2.65%
|
|
18 Months
|
2.67%
|
2.70%
|
|
24 Months
|
3.49%
|
3.55%
|
|
36 Months
|
2.72%
|
2.75%
|
|
48 Months
|
2.76%
|
2.80%
|
|
60 Months
|
2.86%
|
2.90%
|
|
7 Month Promo
|
3.93%
|
4.00%
|
|
13 Month Promo
|
3.69%
|
3.75%
|
Effective Date
April 14, 2025
May 20, 2024
IRA Savings Account Rates
Secure your future with a Traditional or Roth IRA or save for your child's future with a Coverdell Education Savings Account. Individual Retirement Accounts offer tax benefits as your money grows!
|
Account Type
|
APY* (as high as)
|
Minimum To Open
|
|---|---|---|
|
Share Savings Account
|
0.30%
|
$10.00 - Coverdell ESA
$10.00 - Traditional or Roth |
Effective Date
November 16, 2020
*APY = Annual Percentage Yield. $500 minimum to open IRA Share Certificates. Early withdrawal penalties may apply. 7 Month Promo offer may be withdrawn at any time.
$10 minimum to open Traditional or Roth IRA share savings accounts. $10 minimum to open a Coverdell IRA.
TAX BENEFITS
Depending on the IRA you choose, there could be tax benefits, helping your money grow even faster!
LOW MINIMUMS
Open an IRA CD with just $500 or an IRA Savings Account with only a $25 opening deposit.
EARN DIVIDENDS
Earn dividends on your money and maximize your retirement savings.
FLEXIBLE TERMS
Choose the CD terms that fit your needs or opt for a flexible Savings Account.
For All The Goals You're Chasing
IRA Savings Account & IRA CD Benefits
It's never too early to start saving for retirement, and we're here to make it easier. An Individual Retirement Account (IRA) is a smart, tax-advantaged way to save for your future, helping you keep more of your hard-earned money while building long-term financial security.
Download Your Free Copy!
If You Need A Budget, Look No Further
Explore how our monthly budget template can help you take the first step toward saving for the boat you've always wanted!
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For All The Hopeful Retirees
IRA Options In Oklahoma City
Saving for retirement looks different for everyone. At Allegiance Credit Union, we offer IRA Certificates (CDs) and IRA Savings Account options, all designed to help your retirement funds grow!
Each solution has its own eligibility requirements and contribution limits, so it’s important to choose the right fit for your financial goals. Whether you’re just starting out or fine-tuning your retirement plan, we’re honored to be part of your journey toward a secure and fulfilling future.
Roth IRA vs. Traditional IRA vs. CESA
Wondering what the best IRA is for your needs? Explore the different options and choose the investment option that's right for you. Whether you're saving for retirement or a child's future education, Allegiance Credit Union has the IRA to help you reach your goals and secure the future of your dreams!
What is a Roth IRA?
A Roth IRA (Individual Retirement Account) is a retirement savings account in which contributions are made with after-tax dollars. Earnings and qualified withdrawals may have additional tax benefits.
- Income limits to be eligible to open and contribute to a Roth IRA.
- Contributions are NOT tax deductible.
- No age limit on making contributions as long as you have earned income.
Before investing in one of our IRA accounts we recommend speaking with your tax advisor to ensure you’re choosing the best option for you and to better understand the account conditions and limitations.
What is a Traditional IRA?
A Traditional IRA is a retirement savings account that offers tax-deferred growth and tax-deductible contributions.
- No income limits to open.
- No minimum contribution requirements.
- Contributions are tax deductible.
- Earnings are tax-deferred until withdrawal.
Before investing in one of our IRA accounts we recommend speaking with your tax advisor to ensure you’re choosing the best option for you and to better understand the account conditions and limitations.
What is a Coverdell Education Savings Account?
A Coverdell Education Savings Account (CESA) s a tax-advantaged savings account designed to help families save for a child’s education expenses.
- No setup or annual fee.
- Dividends grow tax-free.
- Designated beneficiary must be under 18 when contributions are made.
- Contributions are not tax deductible
- $2,000 maximum annual contribution per child.
- $10 minimum deposit to open.
Before investing in one of our IRA accounts we recommend speaking with your tax advisor to ensure you’re choosing the best option for you and to better understand the account conditions and limitations.
-
Apply Now
What is a Roth IRA?
A Roth IRA (Individual Retirement Account) is a retirement savings account in which contributions are made with after-tax dollars. Earnings and qualified withdrawals may have additional tax benefits.
- Income limits to be eligible to open and contribute to a Roth IRA.
- Contributions are NOT tax deductible.
- No age limit on making contributions as long as you have earned income.
Before investing in one of our IRA accounts we recommend speaking with your tax advisor to ensure you’re choosing the best option for you and to better understand the account conditions and limitations.
-
Apply Now
What is a Traditional IRA?
A Traditional IRA is a retirement savings account that offers tax-deferred growth and tax-deductible contributions.
- No income limits to open.
- No minimum contribution requirements.
- Contributions are tax deductible.
- Earnings are tax-deferred until withdrawal.
Before investing in one of our IRA accounts we recommend speaking with your tax advisor to ensure you’re choosing the best option for you and to better understand the account conditions and limitations.
-
Apply Now
What is a Coverdell Education Savings Account?
A Coverdell Education Savings Account (CESA) s a tax-advantaged savings account designed to help families save for a child’s education expenses.
- No setup or annual fee.
- Dividends grow tax-free.
- Designated beneficiary must be under 18 when contributions are made.
- Contributions are not tax deductible
- $2,000 maximum annual contribution per child.
- $10 minimum deposit to open.
Before investing in one of our IRA accounts we recommend speaking with your tax advisor to ensure you’re choosing the best option for you and to better understand the account conditions and limitations.
What is a Roth IRA?
A Roth IRA (Individual Retirement Account) is a retirement savings account in which contributions are made with after-tax dollars. Earnings and qualified withdrawals may have additional tax benefits.
- Income limits to be eligible to open and contribute to a Roth IRA.
- Contributions are NOT tax deductible.
- No age limit on making contributions as long as you have earned income.
Before investing in one of our IRA accounts we recommend speaking with your tax advisor to ensure you’re choosing the best option for you and to better understand the account conditions and limitations.
What is a Traditional IRA?
A Traditional IRA is a retirement savings account that offers tax-deferred growth and tax-deductible contributions.
- No income limits to open.
- No minimum contribution requirements.
- Contributions are tax deductible.
- Earnings are tax-deferred until withdrawal.
Before investing in one of our IRA accounts we recommend speaking with your tax advisor to ensure you’re choosing the best option for you and to better understand the account conditions and limitations.
What is a Coverdell Education Savings Account?
A Coverdell Education Savings Account (CESA) s a tax-advantaged savings account designed to help families save for a child’s education expenses.
- No setup or annual fee.
- Dividends grow tax-free.
- Designated beneficiary must be under 18 when contributions are made.
- Contributions are not tax deductible
- $2,000 maximum annual contribution per child.
- $10 minimum deposit to open.
Before investing in one of our IRA accounts we recommend speaking with your tax advisor to ensure you’re choosing the best option for you and to better understand the account conditions and limitations.
Discover Your Ideal Savings Solution
Your goals, your way—choose the savings or investment option that best suits your needs.
Guarantee
$500 Minimum Opening Deposit
Guaranteed Returns
Flexible Terms
Share Certificates
What Our Members Are Saying
“Thank you for such outstanding service, I’ll definitely be recommending this Credit Union to others.”
Natalia M.
"Always great service and many options for financing and saving money!"
Daphne D.
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Read MoreFrequently Asked IRA Questions
How can I view my IRA balance?
You can check the balance of your IRA by logging in to online banking or the ACU mobile app.Do I need an account at Allegiance in order to invest in an IRA?
Yes, you need to become a member of ACU to invest in an IRA account. You can join ACU at the time you open your investment account.Can I make withdrawals from my IRA?
Depending on the type of IRA you have, some withdrawals are allowed without penalty if certain conditions are met.
Please contact us for more details at 405-789-7900. You should also consult your tax advisor for conditions and limitations.