IRA
OE Federal’s Individual Retirement Accounts (IRA) make it easy to start saving some of your hard-earned cash for your golden years. Whether you want a standard IRA, a Roth IRA, or even a Coverdell Educational Savings Account (ESA), we can help you prepare for retirement and start growing your nest egg.
- Competitive interest rates
- Grow your money tax-deferred or tax-free
- Personalized customer service
- 24/7 online banking
- 24/7 mobile banking
Ira Accounts
ACCOUNT TYPE | ANNUAL PERCENTAGE YIELD | COMPOUNDING PERIOD |
$1,000 MINIMUM | ||
3 Month | 0.30% | Monthly |
6 Month | 0.60% | Monthly |
12 Month | 0.85% | Monthly |
18 Month | 0.95% | Monthly |
24 Month | 1.15% | Monthly |
36 Month | 1.45% | Monthly |
48 Month | 1.75% | Monthly |
60 Month | 2.20% | Monthly |
IRA Certificate Accounts
ACCOUNT | ANNUAL PERCENTAGE YIELD | COMPOUNDING PERIOD |
$1,000 MINIMUM | ||
3 Month | 0.30% | Monthly |
6 Month | 0.60% | Monthly |
12 Month | 0.85% | Monthly |
18 Month | 0.95% | Monthly |
24 Month | 1.15% | Monthly |
36 Month | 1.45% | Monthly |
48 Month | 1.75% | Monthly |
60 Month | 2.20% | Monthly |
Coverdell Educational Savings Accounts
ACCOUNT | ANNUAL PERCENTAGE YIELD | COMPOUNDING PERIOD |
$1,000 MINIMUM | ||
3 Month | 0.30% | Monthly |
6 Month | 0.60% | Monthly |
12 Month | 0.85% | Monthly |
18 Month | 0.95% | Monthly |
24 Month | 1.15% | Monthly |
36 Month | 1.45% | Monthly |
48 Month | 1.75% | Monthly |
60 Month | 2.20% | Monthly |
*A penalty will be assessed for early withdrawal
All rates are subject to change without notice. For the most up-to-date rates, please call Member Services at 800.877.4444. The Annual Percentage Yield (APY) stated for all accounts is accurate as of the date listed. Annual Percentage Yield assumes deposits, and dividends paid, are held to maturity. Penalties may be applied for early withdrawal on term accounts. Fees could reduce actual earnings. Refer to “Terms and Conditions” for other account information.
Information accurate as of July 17, 2017
Related Products and Services
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Learn MoreIra Accounts
ACCOUNT TYPE | ANNUAL PERCENTAGE YIELD | COMPOUNDING PERIOD |
$1,000 MINIMUM | ||
3 Month | 0.30% | Monthly |
6 Month | 0.60% | Monthly |
12 Month | 0.85% | Monthly |
18 Month | 0.95% | Monthly |
24 Month | 1.15% | Monthly |
36 Month | 1.45% | Monthly |
48 Month | 1.75% | Monthly |
60 Month | 2.20% | Monthly |
IRA Certificate Accounts
ACCOUNT | ANNUAL PERCENTAGE YIELD | COMPOUNDING PERIOD |
$1,000 MINIMUM | ||
3 Month | 0.30% | Monthly |
6 Month | 0.60% | Monthly |
12 Month | 0.85% | Monthly |
18 Month | 0.95% | Monthly |
24 Month | 1.15% | Monthly |
36 Month | 1.45% | Monthly |
48 Month | 1.75% | Monthly |
60 Month | 2.20% | Monthly |
Coverdell Educational Savings Accounts
ACCOUNT | ANNUAL PERCENTAGE YIELD | COMPOUNDING PERIOD |
$1,000 MINIMUM | ||
3 Month | 0.30% | Monthly |
6 Month | 0.60% | Monthly |
12 Month | 0.85% | Monthly |
18 Month | 0.95% | Monthly |
24 Month | 1.15% | Monthly |
36 Month | 1.45% | Monthly |
48 Month | 1.75% | Monthly |
60 Month | 2.20% | Monthly |
*A penalty will be assessed for early withdrawal
All rates are subject to change without notice. For the most up-to-date rates, please call Member Services at 800.877.4444. The Annual Percentage Yield (APY) stated for all accounts is accurate as of the date listed. Annual Percentage Yield assumes deposits, and dividends paid, are held to maturity. Penalties may be applied for early withdrawal on term accounts. Fees could reduce actual earnings. Refer to “Terms and Conditions” for other account information.
Information accurate as of July 17, 2017
Individual Retirement Account (IRA) Fees
Withdrawal from a Traditional or Roth IRA prior to age 59 1/2 | $50.00 |
Withdrawal from an Educational IRA prior to age 18 | No Fee |
Transfer or Rollover | $50.00 |