Individual Retirement Accounts (IRAs)

Good planning today can lead to a brighter tomorrow with an Individual Retirement Account.

  • Easy to Open
    Easy to Open

    Start saving with just a $25 minimum deposit.

  • Deposit Money Anytime
    Deposit Money Anytime

    You can contribute a lump sum once a year or add regular deposits every week.

  • Portfolio Diversity
    Portfolio Diversity

    IRAs complement your employer-sponsored 401(k) retirement plan.

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High-yield & free, with advantages
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Start Building With Our IRA Savings Accounts

Your Financial Future Starts Here.

Do you have a retirement plan in place? It's never too early to start or too late to catch up. We're proud to offer various IRA Savings Accounts and great MI IRA Rates to help our members in Grand Rapids, Lansing and other parts of Michigan work toward a more secure retirement.

Adventure Credit Union offers Traditional IRAs, Roth IRAs, IRA CDs, SEP IRAs and Rollover IRAs. These individual retirement accounts are ideal for supplementing the money you're saving in your employer-sponsored retirement plan, and IRAs provide more investment choices than your employer-sponsored plan. Talk to your tax advisor to understand the specific tax advantages available to you, as well.

Your Adventure Credit Union IRA is federally insured by the National Credit Union Administration (NCUA), which means your investments are secure.

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  • 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, as many retirees are
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*
  • Plan for retirement by investing in these special Certificates of Deposit, which you can open with a $500 minimum deposit
  • 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

Minimum balance: Rate Image
APY*: Rate Image

*APY (Annual Percentage Yield) . . .

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.