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Build Tomorrow with an IRA at Lion’s Share

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Your future deserves more than “someday.” With an Individual Retirement Account (IRA) at Lion’s Share, you can save on your terms, with options that fit where you are now and where you want to go.
 
We offer both Traditional and Roth IRAs in Share Savings and Share Certificates (CDs) so you can choose the mix of flexibility and higher earnings that works best for you.
 

IRA Options at a Glance

IRA Savings (Traditional & Roth)

Perfect if you’re just getting started or want ongoing flexibility.

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Traditional IRA Savings – 0.45% APY, no minimum to open

Traditional IRA Savings – 0.45% APY, no minimum to open
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Roth IRA Savings – 0.45% APY, no minimum to open

Roth IRA Savings – 0.45% APY, no minimum to open
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Ideal for steady contributions and easy access for rollovers or transfers

Ideal for steady contributions and easy access for rollovers or transfers
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Great way to start small and build over time

Great way to start small and build over time
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IRA Share Certificates (CDs – Traditional & Roth)

Lock in a great rate and watch your retirement savings grow.

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12-Month IRA CD – 4.15% APY, $500 minimum

12-Month IRA CD – 4.15% APY, $500 minimum
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24-Month IRA CD – 4.00% APY, $500 minimum

24-Month IRA CD – 4.00% APY, $500 minimum

These options are designed for members who:

  • Want higher, guaranteed returns
  • Don’t need immediate access to the funds
  • Prefer a clear, predictable growth path

Traditional vs. Roth: What’s the Difference?

While you’ll want to consult a tax professional for specific advice, here’s the basic idea:

Traditional IRA

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May offer tax-deductible contributions now

May offer tax-deductible contributions now
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Taxes are generally paid when you withdraw funds in retirement

Taxes are generally paid when you withdraw funds in retirement

Roth IRA

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Contributions are made with after-tax dollars

Contributions are made with after-tax dollars
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Qualified withdrawals in retirement are generally tax-free

Qualified withdrawals in retirement are generally tax-free

Not sure which one fits you? We’ll walk you through it.

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Who Can Open an IRA at Lion’s Share?

All IRA holders must have (or open) an account with Lion’s Share Federal Credit Union.

If you’re not yet a member, we’ll help you through membership and IRA setup in one easy visit.

Ready to Get Started?

Call us to schedule an appointment, ask questions, or get help choosing between Traditional and Roth IRAs.

You’ve worked hard for your money.
Let’s make sure it’s working just as hard for your retirement.
 

APY = Annual Percentage Yield. Rates are accurate as of 12/1/2025 and are subject to change without notice. Minimum opening deposits apply to IRA Share Certificates as noted. Early withdrawal penalties may apply and could reduce earnings. Membership eligibility required. Please consult a tax advisor regarding your specific tax situation.

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