Tax Advantages
Potential tax benefits when you save with a Traditional or Roth IRA!
IRA options for your ideal retirement
Secure your future with a Traditional or Roth IRA.
Open a Roth IRA or a Traditional IRA today to invest and plan for a comfortable retirement.
Start Your Traditional or Roth IRA Journey Here
AMONG THE BEST RATES IN ARIZONA
Unlock your dream retirement with some of the best Traditional and Roth IRA rates in Arizona and beyond!
Rates as of October 1, 2024
Deposit Amount | Compounding | Dividend Rate | APY1 |
---|---|---|---|
$5 or Greater | Quarterly | 0.20% | 0.20% |
1 APY = Annual Percentage Yield. For the purposes of this disclosure, this is a rate and APY as of the last dividend declaration date. These Dividend Rate(s) and Annual Percentage Yield(s) shown above may change at any time as determined by our Board of Directors.
save today for a better tomorrow
traditional ira and roth ira features
Build your ideal retirement with a tax-advantaged investment account that grows your savings faster!
Tax Advantages
You won't owe taxes on dividends or gains while your funds are in an IRA.Payroll Deduction
Never miss an opportunity to contribute with optional payroll deduction!Competitive Dividends
Accessible
Unlike most employer retirement plans, your money is accessible in an IRA.knowledge is power
WHAT IS AN IRA?
An IRA, or Individual Retirement Account, is a type of investment account offering tax advantages. There are two main types: Traditional IRAs and Roth IRAs.
Traditional IRA: Contributions to a Traditional IRA may be tax-deductible, reducing your taxable income for the year contributed. Earnings grow tax-deferred and are taxed as income upon retirement withdrawal.
Roth IRA: Contributions to a Roth IRA are made with after-tax dollars, so there's no immediate tax deduction. However, the earnings in a Roth IRA grow tax-free, and qualified withdrawals in retirement are also tax-free.
DISCOVER THE BEST SAVINGS OPTION FOR YOU
Reach your financial goals with the saving or investment option that best suits you.
Savings Account
Money Market Account
Share Certificates
Roth IRA or Traditional IRA
BUILD YOUR IDEAL BUDGET
This free guide includes every budget you'll ever need.
Maximize your savings and take control of your financial future!
Start Saving Money Today
discover flexibility
ENJOY SHORT-TERM SAVINGS WITH AN IRA CERTIFICATE
Looking for a short-term retirement savings solution? Our IRA Certificates offer flexible terms ranging from 3 months to 60 months, empowering you to find the perfect solution for your retirement savings!
Unlock short-term savings with terms to fit your needs when you open an IRA Certificate today!
Free Resources Just For You
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Read MoreFrequently Asked Questions
How will an IRA affect my taxes?
As tax season approaches, it's important to ensure that you’re making the most informed decisions regarding your finances. For personalized advice and accurate information, please contact a qualified accountant. They can provide expert guidance tailored to your specific situation and help you navigate any complexities with ease.
What our members
are saying
“I opened my first bank account with AERO when I was 10 years old at the Deer Valley branch. That was 22 years ago, and in all that time, AERO has been fantastic. I have never had anything less than a great experience with all my needs here. Love this credit union.”
Tommy T.“AERO is such a unique banking experience every time! The team is so knowledgeable and take pride in their jobs. If you're looking for a personal banking experience with people who care for your best interest, you have to give this location a shot! You will not be disappointed!”
Kayla J.“Absolutely fabulous experience working with the AERO team. Already sending referrals!”
Cryston G.