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Protect Yourself From Fraudulent Calls

SCAM ALERT - AACU will NEVER contact you and ask you for your account number, card number, online banking ID, password, PIN, verification code, or SSN, and we will NEVER send you a link by text or email asking you for your account number, password, secure access code, or PIN. DO NOT share any personal or financial information during an unexpected call. If a call feels suspicious, hang up and call us at 800.223.1983. Your security is our top priority. 

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Routing Number: 307070021
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Routing Number: 307070021

Individual Retirement Accounts

 

Account Details

No matter what age you are, an Individual Retirement Account (IRA) is a great tool to help you prepare for a more comfortable retirement.

Retirement plans, social security benefits, and pension plans may not provide sufficient funds for you to maintain your current non-retirement lifestyle. The more you save today, the less you’ll have to worry as you age. With an Individual Retirement Account, you can safely save for your future while earning exceptional rates.  

We offer the following account types:

  • Traditional IRA
  • Traditional IRA - SEP Contribution
  • Roth IRA
  • Education Savings Account (ESA)
 

 

Table data for IRA Savings Account
 Effective as of 05/05/2026
Dividend Rate APY* Alert Me
IRA Savings Account 0.050% 0.05% Receive a notification when this rate changes

 

 

 

Table data for IRA Certificates
 Effective as of 05/05/2026
Term Dividend Rate APY* 1 Alert Me
12-17 months 3.445% 3.50% Receive a notification when this rate changes
18-23 months 3.251% 3.30% Receive a notification when this rate changes
24-29 months 3.300% 3.35% Receive a notification when this rate changes
30-35 months 3.348% 3.40% Receive a notification when this rate changes
36-41 months 3.348% 3.40% Receive a notification when this rate changes
42-47 months 3.300% 3.35% Receive a notification when this rate changes
48-53 months 3.300% 3.35% Receive a notification when this rate changes
54-60 months 3.203% 3.25% Receive a notification when this rate changes

 

 

Your Future Self Will Thank You! 

Open an IRA, complete a contribution or withdrawal, or to learn more visit Retirement Central®

Retirement Central

 

Disclosures

1 A minimum balance of $500.00 is required to open and earn dividends on Certificate Accounts or an IRA Certificate. Early withdrawal penalties may apply.

*APY=Annual Percentage Yield. APY accurate as of the last dividend declaration date. Rates subject to change. Fees may reduce earnings. Restrictions and requirements apply.

Retirement Central is not a product of or controlled by AACU.