Retirement Accounts

  • Traditional IRA

    • Traditional IRA

    • Earnings tax deferred until time of withdrawal
    • Withdraw without penalty at age 59 ½
    • Must begin withdrawing by age 72

    Apply Now
  • Roth IRA

    • Roth IRA

    • Tax-free qualified withdrawals
    • Withdraw without penalty at age 59 ½ and after account has matured 5 years
    • Contribute at any age

    Apply Now
  • IRA Certificates

    • IRA Certificates

    • 3-60 month term options
    • Jumbo IRA CD available
    • “Bump Up” your existing IRA certificate to the current rate, without changing the maturity date of the certificate. Available one time per the term of the CD.*
    • 90 Day interest penalty for early withdrawal.

    View Rates

    Get Started

    Submit an application linked to the right or request a call below for assistance.
    Traditional IRA Application

    Click here to complete your Traditional IRA application online today!

    Roth IRA Application

    Click here to complete your Roth IRA application online today!

    IRA Certificate Rates

    Click here to view IRA certificate rates or complete the form and a team member will contact you to help open your IRA CD.

    (Members who do not have a Traditional or Roth IRA through MECECU, will need to apply for one before opening an IRA CD.)

    * Rate bump-up available only for IRA/HSA certificates with terms of 24, 36, 48, and 60 months. This allows you to “bump-up” your existing certificate rate to the current rate within the same term, without changing the maturity date of the certificate. Rate “bump-up” allowed once during the term of the CD.