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IRAs

We want you to get the most out of your retirement. Our individual retirement accounts (IRAs) let you save for retirement with significant tax advantages. The sooner you start, the longer your money has to grow.

DEPOSIT TYPE MINIMUM BALANCE** DIVIDEND RATE APY * DIVIDEND PERIOD
7 Month † $5,000 3.85% 3.92% Monthly
11 Month † $10,000 4.25% 4.33% Monthly
IRA Share Incremental Deposit IRA 0.10% 0.10% Monthly
6 Month $500 1.50% 1.51% Monthly
1 Year $500 - $9,999.99 1.95% 1.97% Monthly
1 Year $10,000 - $24,999.99 2.00% 2.02% Monthly
1 Year $25,000 & Over 2.05% 2.07% Monthly
2 Year $500 - $9,999.99 2.35% 2.38% Monthly
2 Year $10,000 - $24,999.99 2.40% 2.43% Monthly
2 Year $25,000 & Over 2.45% 2.48% Monthly
3 Year $500 - $9,999.99 2.40% 2.43% Monthly
3 Year $10,000 - $24,999.99 2.45% 2.48% Monthly
3 Year $25,000 & Over 2.50% 2.53% Monthly
4 Year $500 - $9,999.99 2.45% 2.48% Monthly
4 Year $10,000 - $24,999.99 2.50% 2.53% Monthly
4 Year $25,000 & Over 2.55% 2.58% Monthly
5 Year $500 - $9,999.99 2.50% 2.53% Monthly
5 Year $10,000 - $24,999.99 2.55% 2.58% Monthly
5 Year $25,000 & Over 2.60% 2.63% Monthly

APY is accurate as of February 3, 2023 the last dividend declaration date.
Rates may change after the account is opened. Maintenance or activity fees could reduce the earnings on the account. Term share certificates are subject to early withdrawal penalties which may reduce earnings. Rates for Traditional, Educational and Roth IRA’s are the same, though tax consequences may vary. Contact a tax advisor for more information. Membership is required.

*APY equals Annual Percentage Yield.

**Minimum balance required to earn the advertised APY.

†APY = Annual percentage yield. Dividend period is a calendar month and dividends will be compounded monthly and credited monthly. Rates are accurate as of February 3, 2023, are subject to change, and available for a limited time. 7 month term: minimum of $5,000 to open with at least $2,500 new money to Kohler Credit Union. 11 month term: minimum of $10,000 to open with at least $10,000 new money to Kohler Credit Union. Penalty for early withdrawal. Fees could reduce earnings on account. Other rates and terms available. Some restrictions and exclusions apply. The 7 month certificate renews automatically to a standard 6 month certificate and the 11 month certificate renews automatically to a standard 12 month certificate at the rates in effect at the time of renewal. Federally insured by the NCUA. Membership eligibility and membership is required.