Plan for your Future

An Individual Retirement Account (IRA) is a building block for retirement. FSU Credit Union offers IRA Savings Accounts, which are ideal for people who want to easily access their retirement funds with a more low-risk option than IRA Investment accounts. We offer three types of IRA Savings Accounts: Traditional, Roth and Educational (Coverdell).

If you are interested in Investment IRA Accounts, we are proud of our relationship with Private Wealth Management and Consulting (PWMC). Visit the Financial Planning page to learn more about investment services with PWMC.

Choose the IRA Savings Account that's Right for You


  • Ideal for individuals who expect to be in the same or lower tax bracket when taking withdrawals
  • Take advantage of tax-deferred growth now and pay taxes when you withdraw the funds


  • Ideal for individuals who expect to be in a higher tax bracket when taking withdrawals
  • Pay taxes on your contributions then take advantage of tax-free withdrawals later

Coverdell Education

  • Make contributions to a tax-advantaged savings account to pay for a child's future educational expenses
  • The funds can be withdrawn tax-free when needed to pay for qualified educational purposes

IRA Savings Account Rates

Balance APY* Dividend Rate
$500 – $4,999.99 0.45% 0.45%
$5,000 – $24,999.99 0.50% 0.50%
$25,000 – $124,999.99 0.95% 0.95%
$125,000 – $249,999.99 1.85% 1.83%
$250,000 and greater 2.25% 2.23%

*APY=Annual Percentage Yield. All Share and Share Draft Accounts have a variable Annual Percentage Yield that is subject to change by the Credit Union at any time without advance notice to you.

Some Certificate Accounts are available for IRA Accounts.

Stop by any branch or call (850) 224-4960 (Tallahassee) or 877-GO-FSUCU (Toll Free) for more information and how you can make contributions directly into your IRA with payroll deductions or automatic payments.

Note: Fees can reduce the earnings on your account.

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