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Build a secure retirement with a smart savings strategy. A Teachers 4.00% APY*, 15-month IRA Certificate1 is a great way to diversify your retirement savings. Available as a Traditional or Roth IRA, this certificate supports long-term retirement planning regardless of where you are in your financial journey.2 Schedule an appointment today to explore how to enhance your retirement plan.

Teachers IRA Benefits

Guaranteed Returns

Grow your retirement without putting your principal balance at risk

Federally Insured

Your IRA certificate is federally insured by the NCUA

Personalized Service

Customized guidance to help you make the most of your savings

70+ Years of Trusted Experience

Supporting our members in creating a strong financial foundation

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Choose the IRA that's right for you.

Roth IRAs

Roth IRAs offer a strategic path to long-term retirement savings. You can invest after-tax dollars and enjoy tax-free earnings and withdrawals. Open an account today.

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Traditional IRAs

Traditional IRAs offer a reliable way to build your retirement savings over time. Choose from savings or certificate options to match your goals, whether you prefer flexibility or fixed returns. Start contributing today.

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Disclosures

*APY = Annual Percentage Yield. APY is accurate as of 03/17/2026.

1Minimum balance to earn APY is $1,000. Term: 15 months. Fees could reduce earnings on the account. A penalty will be imposed for early withdrawal in accordance with applicable law. All rates and terms are subject to change without notice.

2Please consult your tax advisor regarding your specific eligibility, contribution limits, and potential tax deductibility. Individual circumstances vary, and IRS rules are subject to change.

Membership at Teachers is required by opening a Regular Savings account or Youth Savings account with a minimum opening deposit of $1.00.