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Individual Retirement Accounts (IRAs)

Build Your Perfect Retirement with First Service

Your journey to a secure retirement begins today. With First Service's Individual Retirement Account (IRA), you can roll over your existing 401(k) or initiate your savings journey with a one-time lump sum.

IRA Features at a Glance

  • Get Started Easily

    Open a Savings IRA with just $25 or an IRA CD with just $1,000.
  • Zero Fees

    Enjoy freedom from setup, monthly, and annual fees.
  • Grow Consistently

    Benefit from monthly dividends at a fixed rate.
  • Tax Perks

    Enjoy tax advantages and maximize your savings.1
  • Guaranteed Safety

    Rest easy knowing your funds are federally insured up to $250,000 by NCUA.
  • Multiple Setup Options

    Tailor your IRA choice to your unique needs with Traditional, Roth, and SEP available.

Open Your IRA as a Savings Account

0.30% APY

on balances $100-$49,999.99

0.60% APY

on balances $50,000 and over

Open Your IRA as a CD

IRA Certificate of Deposit Rates

Term in Months Required Balance to Open & Earn APY Dividend Rate APY2

Term in Months

6 Month

Required Balance to Open & Earn APY

$1,000 and over

Dividend Rate

4.98%

APY2

5.10%

Term in Months

12 Month

Required Balance to Open & Earn APY

$1,000 and over

Dividend Rate

5.08%

APY2

5.20%

Term in Months

18 Month

Required Balance to Open & Earn APY

$1,000 and over

Dividend Rate

4.93%

APY2

5.05%

Term in Months

24 Month

Required Balance to Open & Earn APY

$1,000 and over

Dividend Rate

4.65%

APY2

4.75%

Term in Months

36 Month

Required Balance to Open & Earn APY

$1,000 and over

Dividend Rate

4.65%

APY2

4.75%

Term in Months

48 Month

Required Balance to Open & Earn APY

$1,000 and over

Dividend Rate

4.36%

APY2

4.45%

Term in Months

60 Month

Required Balance to Open & Earn APY

$1,000 and over

Dividend Rate

4.45%

APY2

4.55%

Craft Your Future, Today

Let's shape your retirement dreams into tangible plans. Schedule a consultation with our First Service Wealth Management financial advisor, in partnership with CUSO Financial Services, Inc.3 Give us a call, email us, or fill out the inquiry form below to get in touch.

Wealth Management Inquiry Form