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Tax-advantaged retirement accounts.

Opening an IRA is one of the best ways to save for retirement. We offer both Traditional and Roth IRAs, so you can choose whether to defer taxes on your savings now or in your savings now or in your retirement. Either way, we think you’ll love watching your money grow.

An Individual Retirement Account, or IRA, is a long-term investment account. There are several types of IRAs to choose from, with different tax and withdrawal benefits. Let a Certified IRA Specialist explain your options and help you choose the account that is right for you.

  • $5 minimum deposit to open and maintain account
  • Earn dividends on daily balances of $100 or more
  • Dividends are calculated on the daily balance and compounded and paid monthly
  • Choose from a Traditional, Roth or Coverdell IRA
  • Interest earned is tax deferred
  • Payroll deduction is available
  • Check details on each type of IRA at the credit union.

Resources Brochures:


*APR = Annual Percentage Rate. Subject to credit approval. Some restrictions apply. APY = Annual Percentage Yield. Membership eligibility is required. Federally insured by the NCUA. St. Mary’s & Affiliates Credit Union is an Equal Housing Opportunity Lender. St. Mary’s & Affiliates Credit Union is a full-service financial institution serving Adams, Dane, Iowa, Juneau, Rock, and Sauk Counties.