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Get Started on Your Retirement
IRA Money Market Account
Are you planning your retirement, but need a low investment requirement? With competitive and consistent rates, the Citadel IRA Money Market account is a smart way to start your retirement journey.
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The Smart Place to Save
High Rates
Competitive rates to start saving for retirement.
Low Minimum Investment
The account features a low minimum investment requirement of $100.
Traditional or Roth
This account is available as a Traditional or Roth IRA. Let us help you choose the best fit for your needs.
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Video ChatRates
*APY = Annual Percentage Yield. Read Full Disclosures.
Additional Features
- No monthly fees
- Free Online and Mobile Banking
- Superior, personalized customer service
Ready to speak with a representative about opening a IRA Money Market account?
Schedule AppointmentAre my current retirement savings sufficient?
Are my current retirement savings sufficient?
One method of retirement planning is to project what you are currently saving and have accumulated to date and see if you will have enough to meet your retirement objectives. Use this calculator to determine when/if the money will run out during retirement and it will recommend additional savings if required.
Retirement Savings and Assumptions
CalculateFees
$10
Closing service fee (if applicable)
Security
- Citadel is committed to helping you protect your hard-earned money.
- All Citadel deposits are federally insured up to $250,000 per member by the National Credit Union Administration, an agency of the U.S. government.
- Communicate with us securely through our Online Banking secure messaging system.
Chat Face-to-Face With Citadel Video Connect
Citadel's Video Specialists are just a few clicks away with Video Connect. Skip the trip to the branch office and video chat safely and securely from your preferred location. Learn More.
On your laptop, desktop, or mobile device, our Video Specialists can help you complete almost any banking-related task:
✔ Open a new account
✔ Add a product to a current account
✔ Apply for a loan
✔ Talk to a business banking expert
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Frequently Asked Questions
A Roth IRA is a retirement savings account that provides federally tax-free growth and withdrawals once the account has been open for 5 years and you are 59½ years of age. Contributions can be withdrawn at any time, tax and penalty-free.
A traditional IRA is a retirement savings account that provides federally tax-deferred growth. Withdrawals after the age of 59½ are taxed at your tax rate at that time. Contributions may be tax-deductible. Withdrawals before the age of 59½ are subject to taxes and a 10% federal penalty.
Anyone with earned income under the age of 70½ can contribute to a traditional IRA. Roth IRAs are restricted to those who do not exceed certain modified adjusted gross income limits.
Traditional IRA contributions may be tax-deductible. Roth IRA contributions cannot be deducted.
(Subject to certain rules. Consult your tax advisor.)
A rollover IRA is a retirement savings account specifically designed to receive transfers from a previous employer-sponsored retirement plan, such as a 401(k) or 403(b). Benefits include:
• Retention of tax-deferred status of your retirement savings
• Consolidation of your retirement accounts for simplified management and greater control
• A wider variety of investment choices, letting you find investments that more closely fit your financial goals and style
• Opportunity for your retirement savings to continue growing
(Subject to certain rules. Consult your tax advisor.)
$5,500 if you are under age 50, $6,500 if you are 50 or older.
(Subject to certain rules. Consult your tax advisor.)
Still have questions? Visit our help center.
Federally insured by NCUA.
Information accurate as of and is subject to change without notice. All rates expressed as Annual Percentage Yield (APY). Minimum balance to earn APY is $100. Fees may reduce earnings. Rates are variable and may change after account opening.
Additional Information: Maximum annual IRA contribution is $5,500 ($6,500 if 50+ years of age). Individual Retirement Accounts are subject to limitations and/or penalties imposed by the Internal Revenue Service. Please see Your IRA Agreement or Your tax advisor for additional information.
