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  Individual Retirement Account (IRA)
If you are working to secure a comfortable retirement, Y-12 Federal Credit Union offers a variety of IRA Accounts for deferred investments- Roth, Traditional and Educational. Our IRA accounts combine the high yield of certificates or the competitive yield of our club accounts with the convenience of a regular shares account. As a member, you can make deposits to your IRA account through the convenience of automatic payroll deduction or over-the-counter deposits at any of our branches up to the limit specified by IRS regulations. We'll help you make sound investments with your retirement funds to maximize the benefits when you will need them the most.

Member IRA accounts are insured up to $250,000 per account by National Credit Union Administration, a U.S. government agency.

Click here to view our current rates.

Autos 2011-2017 as low as 2.74% APR
60-Month Certificate as high as 1.25% APY
Home Equity-Variable Interest Only as low as 4.00% APR
*Rates subject to change; certain restrictions apply.(1)APR (2)APY
NMLS #441816
Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government National Credit Union Administration, a U.S. Government Agency
Member Cellular Discounts with Sprint
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All Rights Reserved.