Individual Retirement Account (IRA)

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Plan for your future.

Take control of your financial future with our tax favored savings account.2 With four options to choose from, you can prepare for the retirement you want.

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Enjoy these convenient features & benefits:

No Monthly
Service Fee

No Direct Deposit

No Annual


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Any Balance
0.15 % APY1


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To establish an IRA, you must be a member of the credit union.

IRA Options


A way to save for retirement that provides tax relief now


A retirement account that reduces
your taxes in the future

(Simplified Employee Pension)3

A way for employers to contribute
toward their employees’ retirements
as well as their own.

Coverdell Education3

Designed to help individuals save
for a child’s education expenses.

Free 24/7 Services

Online & Mobile Banking

Free, secure access to your account anywhere, anytime.

Make transfers, check balances, and apply for loans at your convenience. Enrolling is fast and easy. Get started today and enjoy our user-friendly Online & Mobile Banking.

Learn More


Data and other wireless carrier charges may apply.


Reduce paper clutter and the hassle of shredding sensitive account information with eStatements.

Conveniently access statements and important notices when you need them within our secure Online & Mobile Banking.

Bill Pay

Easily manage and pay your bills while saving time and money with free Bill Pay.

You can set up payees, schedule payments and view recent, pending and past payments at any time.


Day or night, conveniently transfer money, check balances, make loan payments and much more by calling Valleyline, our 24-hour automated phone line.

Learn More

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Opening an account is easy.

Simply visit your local branch and a Member Service Specialist will assist you in opening your IRA.

Not yet a member?

You can establish membership if you meet our membership eligibility requirements and open a Primary Share Account. Learn about the many perks of membership.

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1APY=Annual Percentage Yield. APYs accurate as of the last dividend declaration date of 5/22/23. This is a variable rate account. Rates, terms and conditions are subject to change any time after account opening, as determined by the credit union. Fees may reduce earnings. For dividend-bearing accounts, dividends are calculated by the average daily balance method, which applies a periodic rate to the average daily balance in your account for the period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period. See All Rates for complete details.
2Consult a tax advisor for additional tax information.

3Terms and conditions for Individual Retirement Accounts are contained in the credit union's Truth in Savings disclosure and agreement as well as the Individual Retirement Account agreement and disclosure statement.

Savings Covered by the NCUA

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At Valley First, your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. Learn more about Share Insurance Coverage provided by the National Credit Union Administration.