Skip to content
Couple Smiling
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.

Apply Now

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%

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

Build your nest egg with dividends that compound quarterly.

Accessible

Unlike most employer retirement plans, your money is accessible in an IRA.
Dollar Sign Stamp Mark
Couple on a Computer

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.

Apply Now

DISCOVER THE BEST SAVINGS OPTION FOR YOU

Reach your financial goals with the saving or investment option that best suits you. 

no monthly fee

Savings Account

AERO logomark dark blue and light blue
$5 opening deposit
AERO logomark dark blue and light blue
Optional payroll deduction
AERO logomark dark blue and light blue
Easy access to your savings
AERO logomark dark blue and light blue
Competitive quarterly dividends
Apply now
safe investments

Money Market Account

AERO logomark dark blue and light blue
$5 opening deposit
AERO logomark dark blue and light blue
Optional payroll deduction
AERO logomark dark blue and light blue
Easy access to your investment
AERO logomark dark blue and light blue
Competitive monthly dividends
Apply Now
fixed-rate earnings

Share Certificates

AERO logomark dark blue and light blue
Fixed rates
AERO logomark dark blue and light blue
$500 minimum investment
AERO logomark dark blue and light blue
Terms from 3 months to 60 months
AERO logomark dark blue and light blue
Jumbo Share Certificates available
Apply Now
tax-advantaged savings

Roth IRA or Traditional IRA

AERO logomark dark blue and light blue
$5 opening deposit
AERO logomark dark blue and light blue
Optional payroll deduction
AERO logomark dark blue and light blue
Potential tax advantages
AERO logomark dark blue and light blue
Competitive quarterly dividends
Apply Now

BUILD YOUR IDEAL BUDGET

This free guide includes every budget you'll ever need.
Maximize your savings and take control of your financial future!

AERO Financial Every Budget Youll Ever Need Ebook

Start Saving Money Today

Retired Couple

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!

Explore Certificates

Free Resources Just For You

Desk with calculator and papers representing financial planning.

Maximizing Your Savings with Money Market Accounts

Money Market Accounts (MMAs) present a compelling option for investors seeking both safety and...

Read More
A tranquil harbor with boats securely anchored, symbolizing the stability and safety of share certificate CDs in contrast to the rough seas of the stock market in the background.

Securing Your Investments: Share Certificates Amidst Stock Market Swings

When stock market volatility looms, investors traditionally seek stability. Share Certificate CDs...

Read More
A serene and content elderly couple reviewing their retirement plan documents, with a clear view of a piggy bank symbolizing savings, and a calendar or clock indicating the passage of time and planning for the future.

Maximizing Your Retirement: The Power of IRA Savings and Certificates

Thinking about retirement can be daunting, but preparing with the right financial instruments makes...

Read More

Frequently 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.

Man-Working-From-Home
Woman-Working-From-Home
Happy Woman Painting

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.