Retirement Account (IRA)

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Save for retirement by putting money aside. Email us today to get started.

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How our retirement accounts work

We offer Traditional IRAs and IRA Share Certificates. This last option is a special account that combines the best qualities of a Traditional IRA with those of a Share Certificate. In exchange for leaving your money untouched for 36 months, you’ll earn a special rate that’s higher than the one for our regular IRA account. If you’ve been looking for a way to jumpstart your retirement savings, this is a fantastic solution. It’s easy to implement, lets you save more, and it’s highly secure: all of our accounts are federally insured by the NCUA up to $250,000.

Simple, single-term certificate makes decision making easy
Jumpstart your retirement savings
Enjoy peace of mind knowing your money is insured
Earn a higher rate of return with an IRA Share Certificate based on your IRA account

Rates Questions Fees

Maximize your savings

Save for retirement by putting money aside. Email us today to get started.

Legal and identity theft protection

Unexpected legal and identity theft issues are a fact of life nowadays. As a member OAS FCU, you can have access to legal and identity theft advice and services when you need them

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Quality investment planning

Making smart investments is important for building wealth and saving for your retirement. Contact our investment experts to get a free consultation.

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Type	APY*
Traditional IRA	0.40%
IRA Share Certificate (36 Month)	0.60%

Type

APY*

Traditional IRA

0.40%

IRA Share Certificate (36 Month)

0.60%

Term	APY*	Minimum amount
3 months	0.20%	$2,500
6 months	0.35%	$2,500
12 months	0.50%	$2,500
12 months jumbo	0.55%	$100,000
15 months	0.60%	$2,500
15 months jumbo	0.65%	$100,000
18 months	0.50%	$2,500
18 months jumbo	0.55%	$100,000
24 months	0.50%	$2,500
24 months jumbo	0.55%	$100,000
30 months	1.00%	$2,500
30 months jumbo	1.05%	$100,000
36 months	0.60%	$2,500
36 months jumbo	0.65%	$100,000
48 months	0.70%	$2,500
48 months jumbo	0.75%	$100,000
60 months	1.00%	$2,500
60 months jumbo	1.05%	$100,000

Term

APY*

Minimum amount

3 months

0.20%

$2,500

6 months

0.35%

$2,500

12 months

0.50%

$2,500

12 months jumbo

0.55%

$100,000

15 months

0.60%

$2,500

15 months jumbo

0.65%

$100,000

18 months

0.50%

$2,500

18 months jumbo

0.55%

$100,000

24 months

0.50%

$2,500

24 months jumbo

0.55%

$100,000

30 months

1.00%

$2,500

30 months jumbo

1.05%

$100,000

36 months

0.60%

$2,500

36 months jumbo

0.65%

$100,000

48 months

0.70%

$2,500

48 months jumbo

0.75%

$100,000

60 months

1.00%

$2,500

60 months jumbo

1.05%

$100,000

Term	APY*	Minimum Amount	Rate Increase
12 months	0.25%	$2,500	One time
12 months jumbo	0.30%	$100,000	One time
18 months	0.25%	$2,500	One time
18 months jumbo	0.30%	$100,000	One time
24 months	0.25%	$2,500	One time
24 months jumbo	0.30%	$100,000	One time
36 months	0.35%	$2,500	One time
36 months jumbo	0.40%	$100,000	One time
48 months	0.45%	$2,500	Twice
48 months jumbo	0.50%	$100,000	Twice
60 months	0.50%	$2,500	Twice
60 months jumbo	0.55%	$100,000	Twice

Term

APY*

Minimum Amount

Rate Increase

12 months

0.25%

$2,500

One time

12 months jumbo

0.30%

$100,000

One time

18 months

0.25%

$2,500

One time

18 months jumbo

0.30%

$100,000

One time

24 months

0.25%

$2,500

One time

24 months jumbo

0.30%

$100,000

One time

36 months

0.35%

$2,500

One time

36 months jumbo

0.40%

$100,000

One time

48 months

0.45%

$2,500

Twice

48 months jumbo

0.50%

$100,000

Twice

60 months

0.50%

$2,500

Twice

60 months jumbo

0.55%

$100,000

Twice

Term	APY*	Amount	Monthly Deposit Required
18 months	0.25%	$500	Over $50 and up to $1,000
24 months	0.25%	$500	Over $50 and up to $1,000
36 months	0.35%	$500	Over $50 and up to $1,000

Term

APY*

Amount

Monthly Deposit Required

18 months

0.25%

$500

Over $50 and up to $1,000

24 months

0.25%

$500

Over $50 and up to $1,000

36 months

0.35%

$500

Over $50 and up to $1,000

Transfer from secondary account to cover overdraft	$5 each transfer
Overdraft caused by share draft/ACH (1)	$25 each
Extended overdraft	$5 per day after first 5 business days
Returned check/ACH due to non suficient funds (1)	$25 each
Cashier check	$5 each - No charge if member has 3+ services
Cashier check copy	$2.50
Copy of cashed check	$ 5 – No charge online
Stop payment - Check/ACH	$10 each – $20 range
Checks sent for collections	Cost charged by paying bank(s)
Dormant account (2)	$5 per month
Remote check deposit return due to missing/incomplete information	$5
Returned outside/third party deposited check	$10
Check-book cost	$12.27 for 50 checks - $19.49 for 120 checks (3)
Check-book reorder	$19.49 for 120 checks (4)
Debit card re-issue	No charge (5)
Dormant debit card PIN reactivation	$15
Debit card/PIN replacement	$15
International debit card transaction	1.5% total amount debited (ATM or purchases)
Statement copy/ transaction history	$1 each statement page - No charge for members
Account research	$25 per hour
Balance verification/letters of reference	$5 - No charge if member has three services or more
Account verification requested by creditors	$15 each

Retirement Account (IRA)

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Rates

Retirement Accounts (IRA)

Regular Share Certificates

Step-Up Share Certificates

Jr. Share Certificates

FAQs

Fees

Share & Checking Account Fees

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