Your Retirement, Your Way

IRAs designed for you. Simple. Flexible. Built to help you plan confidently toward the future.
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Build the Retirement You Imagine

At 3Rivers, we empower you to reach your money goals—including retirement. We make it easy to open and grow a tax-advantaged IRA without minimums or hidden fees. Whether you're just starting or maximizing your nest egg, we're here for you.

Why Choose a 3Rivers IRA?

Our knowledgeable team provides personalized support based on your unique goals. We take the time to explain your options clearly, so you can feel confident making decisions about your future. As a not-for-profit credit union, we put your best interests first—always.

Account Features
  • Zero minimum balance—start saving at any amount and life stage 
  • Variable rates competitive with market
  • NCUA® insured deposits protecting your account up to $250,000
  • 24/7 digital banking

2026 IRA Rates

Here are current 3Rivers IRA rates and IRS contribution limits for your retirement planning.

Individual Retirement Accounts

Disclaimer

NO minimum balance required to open. IRA rates are variable and set by the Board of Directors on a monthly basis. Rate subject to change after account is opened. Dividends are calculated on the daily balance, compounded monthly, and credited to the account at the end of the month. Dividends begin to accrue upon deposit. Roth, Traditional, CESA options available. Share Certificates in various terms are also available. Dividends are paid from current income and available earnings after required transfers to reserves are made at the end of a dividend period. Dividends are not guaranteed. IRA rates are variable and set by the Board of Directors on a monthly basis.

1Variable rate account, rate is subject to change anytime after account opening. Fees could reduce earnings. Please see our Fee Disclosure Statement for further information about fees potentially related to these accounts.

2APY=Annual Percentage Yield. Deposit accounts are insured by account ownership up to $250,000 by the NATIONAL CREDIT UNION ADMINISTRATION.
Account Type Dividend Rate1 APY2 2026 Contribution (Under 50) 2026 Contribution (Age 50+)
Traditional IRA 0.25% 0.25% $7,500 $8,600
Roth IRA 0.25% 0.25% $7,500 $8,600
CESA Education 0.25% 0.25% $2,000 $2,000
Frequently Asked Questions

Questions About IRAs? We're Here to Help.

Find straightforward answers to common questions about opening, contributing, and managing your 3Rivers IRA.
What's the difference between Traditional and Roth IRAs?
Traditional IRAs offer tax deductions on contributions now with taxes paid when you withdraw in retirement. Roth IRAs use after-tax contributions allowing tax-free growth and tax-free withdrawals in retirement.
Do I need a minimum balance to open an IRA?
No. 3Rivers requires zero minimum balance to open or maintain any IRA account. Unlike many traditional banks, you can start with any amount that works for you.
When do I have to start taking money from my IRA?
For Traditional IRAs, required minimum distributions (RMDs) begin at age 73. Your first withdrawal is due by April 1 of the year after you turn 73. Roth IRAs don't require withdrawals during your lifetime.
Can I move money from another IRA to 3Rivers?
Yes. You can move funds from another financial institution's IRA, 401(k), or other qualified retirement plan to 3Rivers. Our team handles the paperwork, making the transaction simple and tax-free.
What makes credit union IRAs different from banks?
Credit unions are member-owned, not-for-profit institutions. We prioritize member benefits, not shareholder profits. You'll typically find higher rates, lower fees, personalized service, and NCUA® insurance protection.
Is my IRA money safe at a credit union?
Yes. IRA and Roth IRA accounts will be combined together and insured in the aggregate up to $250,000.
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