Secure your financial future.
Secure your financial future and maximize your savings with an Individual Retirement Account (IRA). These government-authorized accounts are designed specifically to help you prepare for retirement. At Sunrise Family Credit Union, we offer a range of options including Traditional, Roth, and Education IRAs. Whether you prefer regular share savings or the fixed returns of Certificates, your deposits are safe and insured up to $250,000 by the NCUA. To learn more or get started, contact us today at 989-684-1730 or 800-589-1079.
Sunrise Family Credit Union is proud to provide online Savings & Investment Resources for our members. Explore educational articles, useful links, financial calculators, and more to help you make informed decisions.
Individual Retirement Account Overview
- Primary Goal: Designed for long-term retirement planning and education savings.
- Minimum Deposit: Variable (depends on whether you choose Savings or Certificates).
- Access: Restricted; funds are subject to IRS withdrawal rules and potential penalties.
- Account Types: Available as Traditional, Roth, and Coverdell accounts.
- Dividends: Competitive yields with the added benefit of being tax-advantaged.
- Monthly Fees: $0.
- Security: NCUA Insured up to $250,000.
IRA Share Account
Effective Date: Wednesday, July 22nd, 2026
| Investment | Annual Percentage Yield (APY) | Dividend Rate |
|---|---|---|
| $250 - $9,999 | 0.15% | 0.15% |
| $10,000 - $24,999 | 0.20% | 0.20% |
| $25,000 & up | 0.25% | 0.25% |
| **APY=Annual Percentage Yield. Rates may change at any time. Members will forfeit dividends if accounts closed before accrued dividends are posted. Contact us for more information. Fees may reduce earnings on these accounts. If you are looking for more IRA Investment options, check out our Certificate of Deposit rates. | ||