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IRA-battery-check-rates       IRA-battery-learn-why

*APY = Annual Percentage Yield. Rates accurate as of 01/21/15. $500 min. balance.
Early withdrawal penalties apply. Rate does not apply to existing IHMVCU certificates or IRA certificates.
Other rates and terms available.


It’s never too early—or too late—to start saving for retirement. IRAs offer safety, security and tax advantages to help your retirement savings grow.

IH Mississippi Valley Credit Union offers Traditional IRAs, Roth IRAs and Education IRAs. Terms range from three month to five years. We also offer IRA Share Savings Accounts, so you can build your savings until there is enough to meet the minimum deposit requirements of an IRA.

  IRA CDs IRA Savings
opening deposit
$500 None
average daily
balance required
to earn dividends
$500 None
Dividends earned Variable Variable
Withdrawals Penalty for early withdrawal Unlimited
ACH Debits Not available Not available
Monthly fee If you elect a monthly dividend check, there will be a $5 monthly fee assessed None



Retirement Savings Calculator
IHMVCU has an easy to use calculator to help you determine how much you should set aside each month in order to retire on time.

You may also be interested in:
Money Smarts: Saving Strategies
Call us at:
(309) 793-6200 or
(800) 722-0333