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Annual contributions to this type of IRA may be partially or fully tax-deductible in the year in which they are made. Distributions from a traditional IRA are generally taxable upon withdrawal. To learn more, visit our IRA Service CenterOpens in New Window.
While Roth IRA contributions are not deductible during the year in which they are made, distributions can generally be taken tax-free. To learn more, visit our IRA Service CenterOpens in New Window.
Variable IRA accounts: These accounts have the same features as our Variable Rate Certificate accounts mentioned above. The only difference is that they are used to save for an IRA.
IRA accounts: The IRA account is similar to our Share Savings account, with dividends compounded and paid each quarter. Dividends are earned from the date of deposit until the date of withdrawal. There is no term on this type of account.
Fixed Rate Certificate IRA accounts: These accounts have the same features as our Fixed Rate Certificate accounts mentioned above. The only difference is that they are used to save for an IRA.
These accounts were created to help parents pay for the education of their dependent children. Designate an account for each child, and start saving early. Then you won't have to stress over a tuition bill when they turn 18.
|Fixed-Rate*||Min to Open||Min to Earn APY**||Dividend||APY**|
|Variable-Rate*||Min to Open||Min to Earn APY**||Dividend||APY**|
We've further increased our nation-leading deposit rates! Reach your goals with Lafayette Federal.
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Enjoy our 2.02% APY³ Checking — a premium rate 50 times higher than the national average¹
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