Planning for your future has never been easier. Open an individual retirement account (IRA) savings account or certificate. We  have accounts for both education and retirement.

Individual Retirement Accounts is rated 4.0 out of 5 by 11.
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Our IRA options allow you to pick the account that will best put you on a path to financial freedom.  A Traditional or Roth IRA allows you to set aside money for retirement.

A Coverdell Education Savings Account (ESA) can be used to save money for a child's educational expenses.

Why open an IRA with us?

A big benefit is financial security: The National Credit Union Administration (NCUA) federally insures your PSECU retirement accounts up to $250,000. Your IRA funds are insured separately from your other PSECU shares.

By comparison, an IRA you open at a brokerage firm or mutual fund company is not federally insured if it contains investments with variable rates and market fluctuations.

How to open an IRA at PSECU

Pick your plan. 

Choose from a:
  • Traditional IRA
  • Roth IRA
  • Coverdell ESA

Choose PSECU products for your IRA

Add one or both of these options:
  • IRA Share
  • IRA Certificate

Open an account

Open IRA

Compare Your IRA Choices

We offer three different IRA options:


Compare your taxable vs. tax-free investment return

How much faster can your money grow in a tax-advantaged account like an IRA? Find out.


1 Additional account details may apply.
2 See IRS Publication 590 for more information about income limitations:
3 If you’re a new PSECU member, you’ll need to deposit a $5 minimum deposit in a Regular Savings Share Account (S1) to create and retain your membership.

Valid as of 08/18/2018 2:30 PM EDT
Description APY* Rate
3 months 0.50% 0.50%
6 months 0.75% 0.75%
9 months 1.00% 1.00%
12 months 1.60% 1.59%
18 months 1.80% 1.79%
24 months 2.00% 1.98%
36 months 2.25% 2.23%
48 months 2.50% 2.47%
60 months 2.75% 2.72%

*APY denotes Annual Percentage Yield

Rates and information are subject to change at any time. Recurring deposits may be made into the certificate through automatic transfers (ATS) only. You may set up recurring deposits through ATS within 30 days after the certificate is purchased. Deposits can be stopped or reduced at any time. This rate will be paid until the certificate matures. Your certificate will automatically renew at the rate in effect at the time of maturity unless we are contacted on or before the maturity date. Upon renewal, the term will be the same as the original term. You have ten calendar days after maturity to redeem your certificate without penalty if you do not want to renew. If the member has not contacted PSECU by the maturity date, the certificate will renew for the rate in effect on the date of maturity and for the same term as the original term. A penalty will be imposed for early withdrawal. A minimum daily balance of $500 must be maintained in order to earn the disclosed APY.

This content provided is for informational purposes only. Nothing stated is to be construed as financial or legal advice. PSECU recommends that you seek the advice of a qualified financial, tax, legal or other professional if you have questions.

Rated 1 out of 5 by from BEWARE Wife opened IRA 5 year. Was told we could do 1 bump up a year. Failed to tell us the bump up would come with a penalty.
Date published: 2018-06-19
Rated 5 out of 5 by from Great Product Great product since you can put money aside and not think about it and use it. You can decide how long to save it for. If you want shorter term since you don't know when you might need it, you can just keep rolling it over until you really need it.
Date published: 2018-05-30
Rated 1 out of 5 by from Good product poor service Not polite when i called with an issue. Very disrespectful and never called me back as promised Tempted to close all accounts and go elsewhere.
Date published: 2018-02-22
Rated 5 out of 5 by from IRA Works as expeded. Have not had any activity with the account........
Date published: 2017-12-28
Rated 3 out of 5 by from locked rate If some options were given to invest in other funds, the product may produce a higher rate of return. With no pension and questionable Social Security benefits for we Baby Boomers, we need to invest in ourselves. Time is running out for myself. Merry Christmas and a Happy New Year. Keep Christ in Christmas/
Date published: 2017-12-10
Rated 5 out of 5 by from interest rates are good this product is very good,the people working there are very helpful,hours of operation are good,plus 24 /7 online.
Date published: 2017-11-06
Rated 5 out of 5 by from Great product Good rates and associates are always so helpful. Thank you for being such a great credit union!
Date published: 2017-10-24
Rated 5 out of 5 by from Excellent customer service and products All the products offered are first class. Also, when calling or emailing with a question or problem, responses are immediate with explanations one can understand.
Date published: 2017-09-01
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