Maximize Your Retirement Potential

Individual Retirement Accounts (IRAs)

Our individual retirement accounts (IRAs) let you save for retirement with significant tax advantages. Traditional IRA accounts are taxed-deferred until you withdraw, so you don’t pay any taxes on funds until you are ready to cash out. Plus, funds are compounding, so the earlier you start saving, the more you can maximize your retirement potential.

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IRA & IRA Share

Deposit Type	Minimum Balance**	Dividend Rate	APY *	Dividend Period
IRA Share	Incremental Deposit IRA	0.10%	0.10%	Monthly
30 Month†	$1,000	3.98%	4.05%	Monthly
6 Month	$500	1.75%	1.76%	Monthly
1 Year	$500	1.75%	1.76%	Monthly
2 Year	$500	2.00%	2.02%	Monthly
3 Year	$500	2.05%	2.07%	Monthly
4 Year	$500	2.10%	2.12%	Monthly
5 Year	$500	2.20%	2.22%	Monthly

APY is accurate as of July 7, 2025 the last dividend declaration date.
*APY= Annual Percentage Yield. Early withdrawal penalties apply and will reduce earnings on account. Maintenance or activity fees could reduce earnings on account. Dividends compound and credit monthly. For full details, refer to the Truth in Savings Share Certificate Disclosure. Insured by NCUA. Membership required.

†Special subject to change without prior notice and available for a limited time. Entire certificate must be funded by new money outside of Kohler Credit Union with a minimum of $1,000 and a maximum of $500,000. Financial Institutions and public funds are ineligible. 30-Month Certificate will automatically renew to a standard 36-Month Certificate at the rates effective at time of renewal.

HSA

A Health Savings Account (HSA) is a tax-exempt account that allows you to save money to pay for future medical expenses.

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