High Yield IRAs

Start saving now so you can live the good life later.

Tailor an IRA to fit your savings strategy and risk-comfort level

Choose to invest in either our High Yield IRA Savings account or one of our fixed rate bank better certificates.

Earn up to 2.25% with our high yield IRA

High Yield IRA Savings

  • Useful if you don’t like being locked into a term deposit
  • Earn an impressive 2.00% APY1 on your Retirement savings and enjoy an extra .25% if you have a direct deposit of $500 or more into a Coastal Checking account
  • Compare plans in the table below to find the best plan for your retirement
  • To open your High Yield IRA Savings account, fill and print out our forms and bring them in to a branch
Certificates Up To 3.00% APY

IRA Certificates

  • If you want a guaranteed return and don’t mind a little commitment
  • Choose one or more of our high rate certificates with terms ranging from 7 days to 5 years
  • To open your IRA Certificate account, fill and print out our forms and bring them in to a branch
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Want to learn more about additional investment options?

COMPARE PLANS

Plan Best For How it Works

Traditional IRA

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Those who expect to be in a lower tax bracket when they retire The contributions you make now are potentially tax-deferred meaning they can lower your taxable income and tax bill

Roth IRA

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Those who expect to be in a higher tax bracket when they retire The Contributions you make now are after-taxes but qualified distributions are tax-free

Rollover IRA

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Those who have a 401(k), Roth 401(k), or 403 (b), from a previous employer Keep the tax-advantaged status of your nest egg, while you enjoy the freedom of controlling your own account

SEP IRA

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Business owner that wants to reduce taxable income

Contribute at a higher rate than Traditional or Roth IRA’s while your money grows tax-deferred

Retirement and Financial Planning

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Those who want a personalized advisor and comprehensive financial planning Whether you are just getting started, considering your last day on the job, or currently retired, we are here to partner with you to make smart decisions with your money. Investments offered through CUSO Financial Services, LP (CFS)3.

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Resource Center

I think it's time to start planning for retirement.

Although most of us recognize the importance of sound retirement planning, few of us embrace the nitty-gritty work involved. With thousands of investment possibilities, complex rules governing retirement plans, and so on, most people don't even know where to begin.�

All about IRAs: 2018 & 2019 Contributions

An individual retirement arrangement (IRA) is a personal retirement savings plan that offers specific tax benefits. In fact, IRAs are one of the most powerful retirement savings tools available to you. Even if you’re contributing to a 401(k) or other plan at work, you might also consider investing in an IRA.


I can take care of all of my banking needs on MY schedule, not a retail bank's inconvenient schedule.
Dwight R.

Please consult your tax advisor for additional tax information

1. APY - Annual Percentage Yield. High Yield IRA Savings requires $100 minimum to open. For more details, see the Truth-In-Savings Disclosure and Rate Table. Fees may reduce earnings on account. Rates subject to change without notice after account opening. Penalty for early withdrawal. APY is accurate as of the last dividend declaration date.

2. APY – Annual Percentage Yield. Certificate requires $250 minimum to open and will automatically renew at the end of the term. 2.80% APY is based off of a 60 month certificate. Fees may reduce earnings on account. Rates subject to change without notice. Penalty for early withdrawal. APY is accurate as of 8/01/2019.

3. Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. Coastal Credit Union has contracted with CFS to make non-deposit investment products and services available to credit union members.

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