Retirement Accounts

IRA Savings Account

No matter what stage of life you are in, just starting out with your first job or hoping for retirement sooner rather than later, Missouri Central Credit Union has a retirement savings account to suit your needs. Our IRA Savings Account requires a small initial deposit of just $25, so everybody can get started on their retirement savings today. Withdrawals prior to age 59 ½ may incur an IRS penalty.

  • Interest is paid monthly on the average daily balance but subject to change monthly. 

IRA Share Certificates of Deposit

You can maximize your retirement savings with a Missouri Central Credit Union Share Certificate of Deposit. With some of the best interest rates available on any type of savings account, these allow you to reach your savings goals faster. You can open an IRA Share Certificate of Deposit with as little as $500.  Interest rates on certificates of deposit vary dependent on the term, from 6 to 36 months.  Withdrawals prior to age 59 ½ may incur an IRS penalty.

  • Interest is paid quarterly on the average daily balance.  There is a penalty for early withdrawal.