Individual Retirement Accounts (IRAs)

Good planning today can lead to a brighter tomorrow

  • Get started with as little as $25
  • Make deposits anytime
  • Works in conjunction with your 401(k)
Retirement Planning
Retirement Planning

Secure a personalized financial plan.

Start Building With Our IRA Savings Accounts

Your Financial Future Starts Here.

It's never too early to start or too late to catch up with retirement savings. We're proud to offer multiple IRA Savings Accounts and great savings rates to help our members in Grand Rapids, Lansing and other parts of Michigan work toward a more secure retirement.

Account Structure


All of Adventure Credit Union's Individual Retirement Account (IRA) options can be structured as a savings account or certificate of deposit.

  • IRA Savings Accounts pay a lower dividend rate but do not have any minimum deposit requirements or time commitments for how long your funds must remain on deposit.
  • IRA Certificates of Deposit pay a higher dividend rate but require a minimum deposit of $500, and your funds must stay on deposit for a specified term (e.g., 6 to 60 months) of your choosing. Withdrawing your funds before the certificate matures will result in a penalty.

Types of IRA Accounts


Traditional IRA

  • Traditional IRA Contributions may be tax-deductible and earnings can potentially grow tax-deferred until you withdraw them in retirement*
  • A good option if you plan on being in a lower tax bracket in retirement

Roth IRA

  • Contribute after-tax money and your money may grow tax-free, with tax-free withdrawals at retirement, as long as you meet certain conditions*

SEP IRA

  • The Simplified Employee Pension Individual Retirement Account is ideal for self-employed individuals and small-business owners

Rollover IRA

  • When you change jobs, roll your employer-sponsored 401(k) or 403(b) funds into this Traditional IRA

Working in your best interest.

View All Rates
APY* as high as
0.20 %
IRA Savings Account
APY* as high as
4.00 %
IRA CD
View All Rates
Contact A Financial Advisor

Answers to your investment questions.

Contact Us

Frequently Asked Questions

Yes, your savings are insured up to at least $250,000 under the NCUA. This is the credit union equivalent of the FDIC (which is what banks use to insure their customers).

Yes! Our Adventure Retirement and Investment Services team can help you plan for a confident retirement.

Yes!  Our Adventure Retirement and Investment Services team can help you with your investment needs.

Adventure Credit Union is a full-service credit union in Michigan with branches in the Greater Grand Rapids and Lansing areas. All those who live, work, worship or attend school in the State of Michigan are eligible to join.

*APY = Annual Percentage Yield. Rates are valid as of and are subject to change without notice.  No minimum deposit required to open account. Fees could reduce earnings.

**APY = Annual Percentage Yield. Rates are valid as of 11/23/2024 and subject to change without notice. $500 minimum deposit required to open account. Fees or penalties could reduce earnings. Early withdrawal penalty on 6-month certificate is 90-days loss of interest. Early withdrawal penalty on 12-month term or longer is 180-days loss of interest.

Always confer with your financial advisor or accountant for your personal tax implications and investment impacts.  

By transacting online, I’m aware that the credit union will be held harmless on all transactions made via online banking, and that all deposits made between January 1 through April 15th, or the tax-filing deadline, will be coded and reported to the IRS as current tax-year deposits. Per the IRS, Adventure Credit Union is not required to fix mistaken transactions.