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  • Principal contributions can be withdrawn without penalty1 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

11-Month CD Special

17-Month CD Special

4.05% APY*

4.15% APY*

*11-month certificate automatically renews into a 6-month term at prevailing rates unless redeemed within 10 days of maturity. 17-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). A penalty may be imposed for early withdrawal. Fees may reduce earnings. No institutional investors. Rates effective October 5, 2026. 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