Spend your golden years doing what you love.
It’s never too early or too late to save for retirement. Our IRAs make it easy to get started with no setup fees or maintenance fees.
Features You’ll Love
- No setup or maintenance fees
- Competitive dividends
- Tax advantages1
- Competitive dividends above standard savings rates
- Traditional and Roth IRA options
- No setup fees
- No monthly or annual maintenance fees
- Funds can be used to purchase certificates within IRA
There are advantages to both traditional and Roth IRAs. One of the biggest differences is the time at which you see the most advantage. A traditional IRA provides potential tax relief today, while a Roth IRA has the potential for the most tax benefit at time of retirement.
- Traditional IRA
- No income limits to open
- No minimum contribution requirement
- Contributions are tax deductible on state and federal income tax1
- Earnings are tax deferred until withdrawal (when usually in lower tax bracket)
- Withdrawals can begin at age 59 ½
- Early withdrawals subject to penalty2
- Mandatory withdrawals at age 70 ½
- Roth IRA
- Income limits to be eligible to open Roth IRA3
- Contributions are NOT tax deductible
- Earnings are 100% tax free at withdrawal1
- Principal contributions can be withdrawn without penalty1
- Withdrawals on interest can begin at age 59 ½
- Early withdrawals on interest subject to penalty2
- No mandatory distribution age
- No age limit on making contributions as long as you have earned income
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1Subject to some minimal conditions. Consult a tax advisor.
2Certain exceptions apply, such as healthcare, purchasing first home, etc.
3Consult a tax advisor.
Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly interest earned* $0
- Monthly ATM fees refunded**$0
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term Share Certificates can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total dividends earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Auto, Motorcycles and RV Loans
Grand Altitude is proud to offer one low rate for Autos, RVs and Motorcycles. Rates as low as 5.49% depending on Credit Score and Terms.
Credit Cards
| Type | APR |
|---|---|
| Visa Classic | 9.9% |
| Visa Bison Rewards® | 15.50% |
Loan interest rates and terms provided above are only estimates. Best Rate may vary based on personal credit history and will be provided by Grand Altitude Federal Credit Union upon approval of a completed loan application. Rates are subject to change without notice.
Money Market Accounts
| Balance | Rate | APY |
|---|---|---|
| $2,000 - $20,000 | 1.20% | 1.20% |
| $20,000 - $75,000 | 1.30% | 1.30% |
| $75,000 - $100,000 | 1.40% | 1.40% |
| $100,000 + | 1.50% | 1.50% |
Share & IRA Certificates
| Term | Balance | Rate | APY |
|---|---|---|---|
| 6 Month | $500 | 3.55% | 3.58% |
| 12 Month | $500 | 3.45% | 3.45% |
| 24 Month* | $500 | 3.40% | 3.40% |
| 36 Month* | $500 | 3.40% | 3.40% |
| 48 Month* | $500 | 3.45% | 3.45% |
| 60 Month* | $500 | 3.45% | 3.45% |
*Earn More: Certificates with a balance of $50,000 or more receive a 10 basis premium. The premium is available for 24, 36, 48 and 60 month Certificates.
Early withdrawal penalties apply.
Share Accounts
| Account | Minimum Balance | Rate | APY |
|---|---|---|---|
| Regular Savings | $25 | 0.10% | 0.10% |
| Christmas Club | $0 | 1.00% | 1.00% |
| IRA Accounts | $1 | 0.25% | 0.25% |