What is an IRA?

Ask people what finances cause the most worry and two popular answers are funding retirement and paying for college. It’s no wonder, with the cost of living and higher education expenses going up every year.

So how do you pay for them? With a diligent and disciplined approach using one of PrimeWay's Individual Retirement Account (IRA) options.

IRAs are accounts specifically set up to use during retirement that offer significant tax advantages. An IRA is not the investment itself—it is the repository for all of the different investments that will help fund your long-term financial goals. And the sooner you start, the longer your money has to grow.

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You Have IRA Saving Options at PrimeWay

We offer a Tax Advantage IRA Savings and multiple term IRA Certificates of Deposit.

Open a PrimeWay IRA and receive:

  • Fixed or Variable Rate Options
    We provide flexible planning options for your financial future. You can open a PrimeWay Tax Advantage IRA Savings with a variable rate3 for as little as $5. Or select from one of our IRA Certificates of Deposit (CD) options with a $1,000 minimum deposit and earn a fixed rate of return for a set period of time. You may receive a higher rate on larger CD deposits.
    See interest rates
  • Multiple CD Term Options
    We have a wide range of IRA CDs for you to choose. Terms are available for as little as 6 months or as long as 60 months.
  • NCUA Insurance
    Our Tax Advantage IRA Savings and IRA Certificates are federally insured by the NCUA and backed by the full faith and credit of the United States Government.

Depending on your needs, you can set up your IRA as a Traditional, Roth or Coverdell IRA:

  • Traditional IRA
    Funded with pre-tax deductions, the earnings are tax-deferred and your contributions may be tax-deductible.
  • Roth IRA
    Funded with after-tax money, so you pay taxes on your contributions now. But earnings are tax-free upon withdrawal.
  • Coverdell IRA
    Funded with after-tax money, this is a trust or custodial account created only for the purpose of paying qualified education expenses. Earnings withdrawn for qualified education expenses are exempt from federal income tax.

IRA CD and Savings Rates

Rates are accurate as of 08/02/2019 and subject to change at any time.

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1.59% 1.60% $250,000 Monthly Monthly 36 Months 1.69% 1.70% $250,000 Monthly Monthly 48 Months 1.79% 1.80% $250,000 Monthly Monthly 60 Months 2.18% 2.20% $250,000 Monthly Monthly Tax Advantage Savings IRA- Favored Savings 0.15% 0.15% $5.00 Monthly Monthly

* RATE INFORMATION. The Annual Percentage Yield (APY) reflects the total amount of interest to be paid on an account based on the interest rate and frequency of compounding for an annual period. The interest rate and Annual Percentage
Yield (APY) are fixed and will be in effect for the initial term of the account. The rates for Renewals shall be those rates in effect at the time of renewal. The APY stated is based on the assumption that interest will remain on deposit until maturity; a
withdrawal of interest will reduce earnings. * The Rate-Protector CD allows you to change the rate one time during the term of the certificate.

MINIMUM BALANCE REQUIREMENTS. The minimum balance requirements for each account are set forth above. Minimum balance requirements may include a minimum opening deposit, the minimum balance that you must maintain in the
account to avoid service fees, and the minimum balance that you must maintain each day to earn the stated Annual Percentage Yield for that account. The Par value of a share in this credit union is disclosed on the Fee Schedule.

COMPOUNDING AND CREDITING. The frequency with which interest will be compounded and credited is set forth above. The “Month” or “Quarter” begins on the first calendar day of the month or quarter and ends on the last calendar day of the
month or quarter.

VARIABLE RATE INFORMATION. If your rate is variable as indicated above, the rate is based on the Board of Director’s discretion. We may change the rate monthly. There are no limitations on the amount the rate can change.

BALANCE COMPUTATION METHOD. We use the Daily Balance Method to calculate interest on your account. The Daily Balance Method applies a daily periodic rate to the balance in the account each day.

ACCRUAL OF INTEREST. Interest will begin to accrue on the business day that you deposit noncash items (e.g. checks) to your account. If you close your account before interest is paid, you will not receive the accrued interest.

MATURITY. Your account will mature according to the term indicated above, and as indicated on your account summary or statement.

EARLY WITHDRAWAL PENALTIES. We will impose a penalty if you withdraw any of the principal in your account before the maturity date. The amount of the penalty is disclosed above. The penalty is calculated as a forfeiture of part of the
interest that has been or would have been earned on the account, and applies whether or not the interest has been earned. The penalty may be deducted from the principal amount of the deposit. The Annual Percentage Yield disclosed for your
account is based on an assumption that interest will remain in the account until maturity; a withdrawal will reduce earnings. Exceptions to Early Withdrawal Penalties: We may, at our option, pay the account before maturity without imposing an
early withdrawal penalty under the following circumstances: (1) If an account owner dies or is determined to be legally incompetent by a court or other body of competent jurisdiction; (2) If the account is an IRA Account and any portion is paid within
seven days after the establishment of the account; (3) If the account is a Keogh Plan, provided that the depositor forfeits an amount at least equal to the simple interest earned on the amount withdrawn; or (4) if the account is an IRA or Keogh
Account and the owner attains the age of 70 1/2 or becomes disabled.

RENEWAL POLICY. Unless you otherwise instruct us, your certificate account will automatically renew at maturity. You will have a grace period as indicated above after the maturity date to withdraw the funds in the account without being charged
an early withdrawal penalty.

SECURITY FOR LOANS. IRA-Favored Certificates cannot be pledged as security for a loan.

Additional fees may or may not be applicable, and if they are applicable, they could reduce the earnings on the account.