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Individual Retirement Accounts

Secure Your Future - No Crystal Ball Required

Secure Your Future - No Crystal Ball Required

Planning for the future doesn’t have to be boring—Treadwell IRAs make it easy to get ahead with both Traditional and Roth options. Whether you're all about tax advantages now or saving the perks for later, we've got your retirement goals covered. It’s your future, your way—and we’re here to help you cruise into it with confidence (and maybe a beach chair or two).

 

Compare IRAs

Traditional

  • Contributions may be tax deferred
  • You may contribute up to $6,000 per person per year, or $7,000 if you're over 50 years old
  • Check with a tax advisor for specifics

Roth

  • Your earning grow tax deferred
  • You can contribute up to the current year limits set by the Internal Revenue per person per year, or $7,000 if you're over the age of 50
  • Ask a tax advisor for specifics

 

IRA Savings Rate
Effective Date: Tuesday, September 15th, 2026
TypeAPY*
IRA Variable Savings Account 0.10%
*APY = Annual Percentage Yield. Must maintain a $500 minimum balance to earn interest on IRA Variable Savings Account. Rates are subject to change and may change after account opening.

IRA Certificate Rates
Effective Date: Tuesday, September 15th, 2026
TermMinimum BalanceAPY*
6 Month Certificate $500 3.70%
12 Month Certificate N/A 3.80%
18 Month Certificate $1,000 3.90%
24 Month Certificate $1,000 4.00%
36 Month Certificate $1,000 4.05%
48 Month Certificate $1,000 3.75%
60 Month Certificate $1,000 3.75%
*APY = Annual Percentage Yield. Must maintain a $500 minimum balance to earn interest on IRA Variable Savings Account. Rates are subject to change and may change after account opening.

 

What could my recurring (monthly) savings grow to?

Different factors can impact the growth of your savings over time such as the frequency of deposits and the rate of compounding. Use this calculator to determine the future value of your recurring savings and any existing balance you might have accumulated.

Savings

Assumptions

Testimonials

Share Certificates

Treadwell Share Certificates are your savings’ time to shine. With terms ranging from 6 to 60 months, you can pick the timeline that fits your goals—whether you’re saving for a big move, a dream trip, or just your future self.

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