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Seniors

Savings & Retirement

IRAs

You don't have to do it alone. Take advantage of the tax savings and helpful advice from your credit union experts.

Planning for retirement isn't as hard as it sounds, but there are a lot of options out there. Roth or Traditional? Mutual fund, ETF, annuity, certificate, or savings account? Meet with one of our local retirement experts to discuss your best IRA options and get the most out of your hard-earned money. No matter what you're pulling in each week, you can turn a little into a lot and retire with something significant waiting.
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Traditional or Roth IRA

Ready to learn more or begin planning? You're not alone! Meet with our Listerhill Investment Services team to open your IRA account with the perfect investment strategy. They can work with you to help design a comprehensive retirement plan that's comfortable for you now yet secures your financial future.

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IRAs Current Rates

IRA Savings Account

Effective 8/1/2026

Dividend Rate (%): 0.200%
APY (%): 0.20%
Minimum Balance: $0
* 

The compound interest earned with the IRA Savings Account is calculated quarterly. Rates are subject to change without notice. APY = Annual Percentage Yield.

Roth IRA Savings Account

Effective 8/1/2026

Dividend Rate (%): 0.200%
APY (%): 0.20%
Minimum Balance: $0
* 

The compound interest earned with the Roth IRA Savings Account is calculated quarterly. Rates are subject to change without notice. APY = Annual Percentage Yield.

IRA Certificates

Effective 8/7/26 - 8/13/26

Dividend Rate (%): 3.450%
APY (%): 3.49%
Minimum Opening Deposit: $500
Term (Months): 6 months
Dividend Rate (%): 3.650%
APY (%): 3.70%
Minimum Opening Deposit: $500
Term (Months): 12 months
Dividend Rate (%): 3.410%
APY (%): 3.45%
Minimum Opening Deposit: $500
Term (Months): 15 months
Dividend Rate (%): 3.400%
APY (%): 3.44%
Minimum Opening Deposit: $500
Term (Months): 18 months
Dividend Rate (%): 3.400%
APY (%): 3.44%
Minimum Opening Deposit: $500
Term (Months): 24 months
Dividend Rate (%): 3.250%
APY (%): 3.29%
Minimum Opening Deposit: $500
Term (Months): 36 months
Dividend Rate (%): 3.250%
APY (%): 3.29%
Minimum Opening Deposit: $500
Term (Months): 48 months
Dividend Rate (%): 3.500%
APY (%): 3.55%
Minimum Opening Deposit: $500
Term (Months): 60 months
* 

IRA Certificate Annual Percentage Yield (APY) assumes dividends remain on deposit until maturity. A Share Savings account is required. Rates and APYs are accurate as of the effective date shown and are subject to change without notice prior to account opening. Certificate dividend rates are fixed upon account opening and remain in effect until maturity. Early withdrawal penalties may apply. Fees may reduce earnings.

Roth IRA Certificates

Effective 8/7/26 - 8/13/26

Dividend Rate (%): 3.650%
APY (%): 3.70%
Minimum Opening Deposit: $500
Term (Months): 12 months
Dividend Rate (%): 3.250%
APY (%): 3.29%
Minimum Opening Deposit: $500
Term (Months): 36 months
Dividend Rate (%): 3.500%
APY (%): 3.55%
Minimum Opening Deposit: $500
Term (Months): 60 months
* 

Roth IRA Certificate Annual Percentage Yield (APY) assumes dividends remain on deposit until maturity. A Share Savings account is required. Rates and APYs are accurate as of the effective date shown and are subject to change without notice prior to account opening. Certificate dividend rates are fixed upon account opening and remain in effect until maturity. Early withdrawal penalties may apply. Fees may reduce earnings.

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Not a member yet?

Listerhill Credit Union is a nonprofit financial cooperative improving lives in our community.

If you live in Alabama, Georgia, Mississippi, Florida, or Tennessee, you are eligible to become a member. Depending on your individual eligibility, we may require membership into an approved association at no cost to you.

You can also qualify for membership by being a family member of a current or potential Listerhill member.

With only $5, you can join Listerhill today and start taking advantage of a lifetime membership.

Join Now & Apply
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