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Individual Retirement Accounts
Explore Citadel’s Individual Retirement Accounts to find the right fit for your retirement goals. Choose from an IRA Money Market Account with a low minimum investment or IRA Certificates with flexible terms and competitive rates. All accounts are available as Traditional or Roth IRAs.
Not sure where to start?
Our educational articles break down everything you need to know—from understanding IRA options to choosing the approach that’s right for your goals.
Understand how a Roth IRA works, who qualifies, how much you can contribute in 2026, when withdrawals are tax-free, and how it compares to a Traditional IRA. Open a Roth IRA with Citadel Credit Union.
Learn how a Traditional IRA works, who is eligible, how much you can contribute in 2026, and whether your contributions are tax-deductible. Get answers to the most common Traditional IRA questions.
You don't need thousands to start investing. Learn how to build wealth through 401(k) matching, IRAs, robo-advisors, index funds, and fractional shares — starting with as little as $5.
