Investments for Growing Money!

Alternatives to saving for retirement. Current IRA Rates offered

Smart Banking never starts too early! You are never too young to open an Individual Retirement Account (IRA). Our IRA rates are more competitive then they ever have been!  The earlier you open it, the more your money will grow and the more you will have to enjoy in your retirement years. You may be able to deduct some or all of your contributions and, in most cases; the money in your IRA is not taxed until distributed (check with a tax advisor). With a little help from your Payroll Allocation, you can keep adding to your IRA each month up to the maximum contribution allowed.

Save with confidence as all of our IRAs are federally insured by NCUA up to $250,000.

Traditional IRA

The pre-tax contribution limit to your Traditional IRA each year is $6,000 through 2019. If you are 50 or older, you can make additional catch-up contributions up to $1,000 above the normal limit (total of $7,000).

Roth IRA

The Roth IRA also allows a maximum annual after tax contribution of up to $6,000 through 2019. If you are 50 or older, you may make additional after tax contributions up to $1,000 more than the normal limit through 2019 (total of $7,000). Roth IRA contributions aren’t tax deductible; however, withdrawals are tax-free once the account has been open more than five years and you are at least 59 1/2 years old.

Education Savings Accounts

Previously known as Coverdell IRAs, let you contribute up to $2,000 per year for each child. Your contributions are not tax deductible but your principal and earnings will not be subject to tax when you withdraw the funds for education expenses. Funds can also be transferred from one child’s account to another child’s account within the family.
Please note: All our IRA products and Education Savings Accounts are subject to eligibility requirements as required by the I.R.S. Discuss with your tax advisor for the details or go to for more information.

Experience Smart Banking – Call 303.239.1150 or 800.279.3288 today

 CD Account – Certificates of Deposit


Our credit union CD rates offer you higher earnings at a variety of maturity terms that fosters smart banking. Consider laddering your savings into short and long terms so that you have money maturing at different times. We offer;

  • Competitive dividend rates
  • Terms range from 3 months to 5 years
  • Special Starter Certificate with $25 minimum deposit
  • No risk – guaranteed earnings

Jumbo Certificates of Deposit


  • $50,000 minimum deposit
  • Terms range from 30 days to 1 year

 Tools for Savings


Experience Smart Banking – Call 303.239.1150 or 800.279.3288 today