Individual Retirement Accounts (IRAs)
Planning for retirement starts today! With an Acadia IRA, you can grow your savings tax-advantaged and build a secure future at your own pace.
Secure your future with an IRA
Not saving for retirement yet? Not a problem. An IRA is a popular and effective way to save for retirement. Sign up and rest easy knowing you'll have plenty of funds to enjoy your golden years. At Acadia, we offer several different IRA options so you can choose the one that's right for you. Whether you choose a Traditional or Roth IRA, our options help you save with confidence. Start investing in your future—because retirement should be on your terms.
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Dividends paid monthly
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Variable terms available
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No minimum balance requirements
We have six-month, one-year, 18-month, three-year, four-year, and five-year terms available. The IRA contribution limits change each year. Please refer to the IRS website to see current contribution limits. Keep in mind, a penalty may be imposed for early withdrawal from our IRA accounts, so please reach out to us to find out how an early withdrawal might affect your balance.
We offer the following options for IRAs:
IRA Club (Jumbo) Account
Acadia FCU’s IRA Club (Jumbo Account) makes retirement saving easy with flexible contributions, competitive dividends, and tax advantages. Grow your nest egg at your own pace! Jumbo rate set by management at account opening.
IRA Share Certificate
Acadia FCU’s IRA Certificate of Deposit offers a secure way to grow your retirement savings with fixed rates and guaranteed returns. Enjoy tax advantages while locking in a competitive rate for a term that fits your goals!
Traditional IRA
Acadia FCU’s Traditional IRA helps you save for retirement with tax-deferred growth and potential tax-deductible contributions. Build your future while enjoying competitive dividends and the security of federally insured savings!
Roth IRA
Acadia FCU’s Roth IRA lets you grow your retirement savings tax-free, with qualified withdrawals in retirement completely tax-exempt. Enjoy flexible contributions, competitive dividends, and the security of federally insured savings!
Rates as high as
I have always been treated as part of the Acadia family. The staff are all so welcoming and pleasant, not just to me, but to all who go in. I've had savings, checking, and loan accounts with them and I have never had problems. I highly recommend Acadia FCU!
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Assumptions
Retirement age
Calculation assumes that the year you retire, you don't make contributions. If you retire at 67, the calculation assumes your last contribution is at 66.
Inflation
Calculation assumes a 2.9% rate of inflation. This is a common measure of inflation in the U.S. is the Consumer Price Index (CPI). From 1925 through 2018 the CPI has a long-term average of 2.9% annually.
Social Security
Social Security benefits are not considered for this calculation. Social Security is based on a sliding scale depending on your income, how long you work and at what age you retire.
Pensions
Pensions are not considered for this calculation.
Rate of return
Interest compounds monthly. The interest rate specified in calculator is used to calculate your return on savings and investments during and after retirement.
Disclosure
Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Rates
Individual Retirement Account (IRA) Rates
| Individual Retirement Account (IRA) Type | Dividend Rate | APY* |
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Traditional IRA |
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Roth IRA |
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Coverdell Educational Savings Account |
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Simplified Employee Pension (SEP) |
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Rates effective as of: March 25, 2025
*APY = Annual Percentage Yield. All rates are subject to change without notice.
†When qualification requirements are met
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