This certificate allows you to plan out your savings by providing guaranteed returns that you can access on a set maturity date. With a minimum deposit of $1,000, you'll earn high dividends from our competitive-rate CDs. Select the term that is right for you with maturities up to 60 months. Check our current rates, or call for a quote. 

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An Inherited Individual Retirement Account (IRA) allows beneficiaries to receive assets from a loved one’s IRA retirement account while maintaining tax advantages. Our experts can help guide you through distribution rules and inheritance options. Key benefits include:

• Potential tax-deferred growth
• Flexible distribution options based on IRS regulations
• Personalized guidance to ensure compliance 
• $500,000 worth of insured coverage (The NCUA insures IRAs up to $250,000. ESI insures IRAs up to an additional $250,000). 

What you need to open your account 

• Death Certificate 
• Beneficiary's personal information and Driver's License

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A Roth Individual Retirement Account (Roth IRA) allows you to pay taxes on your retirement now instead of later. Members with earned income may contribute up to the allowable contribution per year to a Roth IRA. Higher income levels may qualify for reduced contributions. Unlike the traditional IRA, the Roth IRA has no mandatory withdrawal age. Participants can also make contributions past age 70 ½ if earning income. Contributions to Roth IRAs are not tax-deductible; however, the earnings may be tax-free if the withdrawals meet certain criteria as established by the Internal Revenue Service.

• All IRA options offered may be put into either an IRA share account or IRA share certificate.
•  IRA share accounts pay dividends quarterly.
•  IRA share certificates pay dividends for a specified term and rate.
•  AlaTrust accepts rollovers, transfers, and lump sum distributions from qualifying retirement plans.
•  Penalties apply for early or unqualified withdrawals.
•  The NCUA insures IRAs up to $250,000. ESI insures IRAs up to an additional $250,000.

Roth IRA Brochure  IRA & Retirement Plan Distribution IRA Transfers, Rollovers & Conversions

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A Traditional Individual Retirement Account (IRA) allows you to increase your investments for the years ahead with tax-deductible contributions depending on your income. Any member under the age of 70 ½ with earned income may deposit up to the allowable contribution per year or 100% of annual compensation, whichever is less, into a traditional IRA account. A traditional IRA defers federal income taxes on the earnings. Contribution limits and tax-deferred amounts are dependent upon your adjusted gross income and participation in other qualified plans.

• All IRA options offered may be put into either an IRA share account or IRA share certificate.
•  IRA share accounts pay dividends quarterly.
•  IRA share certificates pay dividends for a specified term and rate.
•  AlaTrust accepts rollovers, transfers, and lump sum distributions from qualifying retirement plans.
•  Penalties apply for early or unqualified withdrawals.
•  The NCUA insures IRAs up to $250,000. ESI insures IRAs up to an additional $250,000.

IRA & Retirement Plan Distribution IRA Transfers, Rollovers & Conversions

View Rates Open an Account