Planning for your retirement is one of the most challenging and rewarding financial decisions you’ll make along your path to financial freedom. Opening an Individual Retirement Account (IRA) is a crucial first step in planning for a secure financial future. With no administrative fees and the choice between a Variable-Rate IRA or Fixed-Rate IRA, we offer solutions that keep your goals in mind. United Heritage IRAs are insured separately up to $250,000 through the National Credit Union Share Insurance Fund (NCUSIF) and are managed by the National Credit Union Administration (NCUA), a U.S. government agency. Your plans for the future are personal and we believe your IRA should be too. Consult your tax advisor if you need help deciding which account works best for you.

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Variable-Rate IRA*

A Variable-Rate IRA lets you call the shots.

  • No minimum balance
  • No monthly fee
  • Dividends paid quarterly
  • Contributions may be tax-deferred
  • Traditional and Roth IRAs available
  • Spousal IRA contributions

Fixed-Rate IRA

Stay in control of your financial future with a Fixed-Rate IRA that allows you to deposit a fixed amount of money for a specific amount of time while earning higher returns.

  • $1,000 minimum opening balance
  • No monthly fee
  • Dividends paid quarterly
  • Contributions may be tax-deferred
  • Tiered interest rates
  • Terms available for 12, 18, 24, 36, 48 and 60 months
  • Traditional and Roth IRAs available
  • Spousal IRA contributions
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Membership/Regular Savings required.
APY = Annual Percentage Yield
Programs (including without limit, fees, rates and features) are subject to change without notice.
See Rates & Fees for current dividends. Fees may reduce earnings.
See Fee Schedule for applicable fees.
Early withdrawal subject to loss of dividends.