IRA Certificates


Prepare for retirement with an IRA Certificate


Altra's Best Rate

As a credit union member-owner, it's in your best interest to use as many Altra products and services as possible! The more you participate, the stronger Altra grows as a whole. Therefore, we offer our best rates to members who use multiple services.


IRA Certificates

Choose a 12- to 59-month fixed rate investment with very competitive tiered dividend rates. $1,000 minimum deposit required. Get Altra's Best Rate when you have an Altra Checking Account with Direct Deposit.  Dividends are paid quarterly.

IRA Certificates cannot be opened online. Please call or visit for more information.


Deposit Insurance

Your savings at Altra are federally insured to $250,000 with IRA accounts insured separately for an additional $250,000. The National Credit Union Share Insurance Fund (NCUSIF), is a federal fund backed by the full faith and credit of the United States government


Check Rates


Roth IRAs - Answers to your questions

Roth IRA


Exploring Your IRA Options

Exploring Your IRA Options


Traditional IRAs - Answers to your questions

Traditional IRA


Coverdell ESAS - Answers to your questions

Coverdell ESAS