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Saving for the future starts today with IRA Savings

$5 Minimum Opening Deposit | Great Dividend Rates 

open your ira today

Saving for the future starts today with IRA Savings

$5 Minimum Opening Deposit | Great Dividend Rates 

open your ira today

IRA Savings and Certificates

Whether you're dreaming of beachside mornings, traveling the world, or spending time with your grandkids, financial security is key. An IRA from Redstone gives you the tools to build your future – with great rates, tax advantages*, and steady, low-risk growth.

We’ll help you choose the right account and even assist with transferring an existing IRA – so your finances stay simple and organized.

Why Choose a Redstone IRA?

An IRA is a smart, long-term savings strategy – and with a Redstone IRA, you’ll enjoy competitive rates, potential tax advantages*, and low-risk, consistent growth. You’ll also have the flexibility to withdraw funds for certain short-term goals, such as buying a home or paying for education.

We offer two flexible options to fit your saving style: IRA Savings1 and IRA Certificates2.

IRA Savings Account
  • Open with just $5
  • Add Funds Anytime
  • Earn Dividends While You Grow Your Balance

IRA Certificates
  • 12-Month and 18-Month Term Certificates – Start with $5 Deposit
  • Longer-Term Certificates – require a $500 minimum
  • Funds are locked in until maturity – ideal for disciplined saving

Reminder: Early withdrawals may result in tax penalties and/or account fees.*

What Are You Saving For?

IRAs are designed for retirement, but in some cases, you can access funds earlier without penalties.

You May Qualify for Penalty-Free Withdrawals For:

  • First-time home purchases
  • Higher education costs (for yourself or immediate family)
  • Certain medical expenses or emergencies
  • Terminal illness or permanent disability

Note: Withdrawals for non-qualified expenses – like a vacation or a new car – could result in taxes and penalties.

Traditional vs. Roth IRA: What’s the Difference?

Traditional IRA
  • Tax-deductible contributions (if you qualify)
  • Taxes paid later – when you withdraw in retirement
  • Required minimum distributions begin at age 73

Roth IRA
  • No tax-deductible contributions
  • Withdrawals are tax-free (if certain conditions are met*)
  • No required withdrawals – keep your money growing as long as you like
  • Contributions may continue beyond retirement (if eligible)

Plan for the Future with an IRA

Traditional IRA:

  • Required minimum withdrawals begin at age 73
  • May still qualify to make contributions
  • Great option if you want potential tax-deferred growth

Roth IRA:

  • No required withdrawals at age 73
  • Keep your money growing into your 70s and beyond
  • Contributions allowed if you meet income requirements

Open Your IRA Today

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Membership required. Click here for details. Age and other restrictions may apply.

1 A $5 minimum deposit is required to open the Savings IRA Account. The minimum daily balance required to earn dividends and the stated Annual Percentage Yield is $5.00. No dividends will be earned for the length of time the daily balance falls below $5.00. The dividend rate and APY are subject to change monthly.

2 The minimum deposit applicable to the IRA Certificate's term is required to open the account. The minimum daily balance is required at all times to earn the stated Annual Percentage Yield. Once an IRA Certificate is opened, the dividend rate and APY will remain in effect for the term of the account. A substantial penalty will be imposed for early withdrawal of principal prior to maturity. A withdrawal may reduce account earnings. Rates and terms subject to change without notice. Fees and other conditions could reduce earnings on the account.

Refer to the IRA Truth in Savings Disclosure Supplement: Traditional and Roth IRAs for further terms and conditions.

*RFCU does not offer tax advice. Please see your tax advisor for your specific questions.

Join The Redstone Family Today

Are you ready to join the credit union that puts you first? Become a member of the Redstone family and you’ll start enjoying the great rates, personalized financial advice, and excellent customer service Redstone is known for.

Become a Member