Individual Retirement Account (IRA)
Your pathway to a stress-free retirement.
Begin your journey towards the retirement you’ve dreamed of using our tax-advantaged savings sanctuary. With four distinct options to select from, you can customize your plan to align with your unique retirement goals.
0.15% APY1 for any balance. See All Rates
No Monthly
Service Fee
No Direct Deposit
Requirement
No Annual
Fee
IRA Options
Traditional
For today’s savings with the promise of tax relief.
Roth
For future financial security, curtailing your taxes down the line.
SEP (Simplified Employee Pension)
For employers to contribute to their employees’ retirement, alongside their own.
Coverdell education
For a young scholar’s future education.
Opening an account is easy.
Simply visit your local branch and a Member Service Specialist will assist you in opening your Individual Retirement Account.
Simple Eligibility:
To open an IRA, you must be a member of the credit union.
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.
Around-the-clock access:
- Online & Mobile Banking
- eStatements
- Bill Pay: Schedule payments and review your history.
- Valleyline: Our 24/7 automated phone line.
Savings Covered by the NCUA
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.
1APY=Annual Percentage Yield. APYs accurate as of the last dividend declaration date of 10/2/23. 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.
*APY=Annual Percentage Yield. This offer, including the stated Annual Percentage Yield (APY), is effective January 1, 2026. Valley First reserves the right to end or modify this offer at any time. Early withdrawal penalties may apply. IRA certificates are subject to IRS contribution limits; consult a tax advisor. Other restrictions may apply. Offer effective from January 1, 2026 until April 30, 2026.
**Valley First’s 12-Month Regular and Premium Share Certificate rates are in comparison to national average rates for 12-month certificates (called “certificates of deposit” or “CDs” by some institutions) published in the FDIC Monthly National Rates and Rate Caps; accurate as of January 1, 2026.