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Individual Retirement Accounts (IRAs)

Build Your Perfect Retirement with First Service

Your journey to a secure retirement begins today. With First Service's Individual Retirement Account (IRA), you can roll over your existing 401(k) or initiate your savings journey with a one-time lump sum.

IRA Features at a Glance

  • Get Started Easily

    Open a Savings IRA with just $25 or an IRA CD with just $1,000.

  • Zero Service Charges

    Enjoy freedom from setup, monthly, and annual service charges.

  • Grow Consistently

    Benefit from monthly dividends at a fixed rate.

  • Tax Perks

    Enjoy tax advantages and maximize your savings.1

  • Guaranteed Safety

    Rest easy knowing your funds are federally insured up to $250,000 by NCUA.

  • Multiple Setup Options

    Tailor your IRA choice to your unique needs with Traditional, Roth, and SEP available.

Open Your IRA as a Savings Account

0.30% APY

on balances $100-$49,999.99

0.60% APY

on balances $50,000 and over

Open Your IRA as a CD

IRA Certificate of Deposit Rates

Term in Months Required Balance to Open & Earn APY Dividend Rate APY2

Term in Months

6 Month

Required Balance to Open & Earn APY

$1,000 and over

Dividend Rate

4.218%

APY2

4.30%

Term in Months

12 Month

Required Balance to Open & Earn APY

$1,000 and over

Dividend Rate

4.266%

APY2

4.35%

Term in Months

18 Month

Required Balance to Open & Earn APY

$1,000 and over

Dividend Rate

4.073%

APY2

4.15%

Term in Months

24 Month

Required Balance to Open & Earn APY

$1,000 and over

Dividend Rate

3.832%

APY2

3.90%

Term in Months

36 Month

Required Balance to Open & Earn APY

$1,000 and over

Dividend Rate

3.784%

APY2

3.85%

Term in Months

48 Month

Required Balance to Open & Earn APY

$1,000 and over

Dividend Rate

3.542%

APY2

3.60%

Term in Months

60 Month

Required Balance to Open & Earn APY

$1,000 and over

Dividend Rate

3.639%

APY2

3.70%

Craft Your Future, Today

Let's shape your retirement dreams into tangible plans. Schedule a consultation with our First Service Wealth Management financial advisor, in partnership with CUSO Financial Services, Inc.3 Give us a call, email us, or fill out the inquiry form below to get in touch.

713-676-4356
WealthManagement@FSCU.com

Wealth Management Inquiry Form

[1]

Please consult your tax advisor to determine eligibility for tax deductibility.

[2]

APY = Annual Percentage Yield. APYs are accurate as of 10/16/2024 and subject to change. Dividends are compounded and credited monthly. CDs may be subject to a penalty for early withdrawal. Fees may reduce earnings.

[3]

Non-deposit investment products and services are offered through CUSO Financial Services, L.P. ("CUSO Financial")(“CFS”), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor.  Products offered through CUSO Financial: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CUSO Financial. The Credit Union has contracted with CUSO Financial to make non-deposit investment products and services available to credit union members. Atria Wealth Solutions, Inc. (“Atria”) is not a Registered Investment Advisor or broker-dealer. Investment products, services and advice are only provided through CUSO Financial, a subsidiary of Atria.