Investments & Planning

    Make smart moves with money.

    Roth Money Fund IRA

    Provides a means for saving for retirement without having funds locked up for a set amount of time.

    • No minimum opening deposit required
    • Earnings are tax-free
    • No age limit on contributions
    • No required distribution at age 72
    • Up to 2.36% APY with dividends paid quarterly
    • Penalty-free early withdrawal options including first-time home purchase
    • Funds federally insured up to $250,000

    NOTE: Account holders must have earned income or alimony in order to open this type of account. For more options, see Certificate & IRAs.


    Tax-Free Earnings

    While Roth IRAs provide no tax break on contributions, earnings can be withdrawn tax-free when needed in retirement. And, because you are not required to withdraw funds at any age, your Roth IRA can continue to grow over many years. The Roth IRA does have income restrictions and contribution limits. Before you open a Roth IRA, check that you qualify.

    Note: Deposits to an IRA are limited by Federal Regulations. Consult your tax advisor regarding your personal tax situation. For the latest information on Roth IRA income restrictions and contribution rules, call our Member Service Center at 210-258-1234 or toll free at 800-688-7228.

    Tiered Dividends

    You can open a Roth Money Fund IRA with no minimum opening deposit and no balance requirement. Earn higher dividends as your balance grows. Account holders must have earned income or alimony in order to open and make annual contributions to a Roth Money Fund IRA.

    NOTE: Tiered dividends are paid quarterly on any balances. Dividends are calculated using the daily balance method. Your balance tier determines the daily dividend rate and annual percentage yield on the daily account balance. The rate is variable, and may change at any time after the account is opened. Fees could reduce earnings.


    Options for Withdrawal

    With a Roth IRA, contributions (but not earnings) can be withdrawn penalty- and tax-free at any time, even before age 59 1/2. Five tax years after the first contribution, you can withdraw up to $10,000 of your earnings penalty-free to pay for qualified first-time home buyer expenses. And if you are five years past your first contribution and over age 59 1/2, you can make any withdrawal tax-free. Finally, no withdrawals are required during the account holder’s lifetime. This means that if you do not need the money, you can allow it to continue to grow well over the required distribution age of 72 required by a Traditional IRA.

    NOTE: Substantial penalties for early withdrawal will apply except for those specifically permitted under IRS Regulations. If you wish to make a withdrawal, check to determine whether you may do so penalty-free, or if you will face an early withdrawal penalty.

    Get Help from Credit Human

    Opening your IRA is easy — we’re here to help. The type of individual retirement account you choose can significantly affect your long-term savings. Be sure to understand your IRA options to choose the best one for you. For help in understanding your options, or to open an IRA, call our Member Service Center at 210-258-1234 or toll free at 800-688-7228.

    Your Insured Funds

    Credit Human IRAs are insured separately up to $250,000 by the National Credit Union Administration(NCUA), a U.S. Government Agency. Similar to deposit insurance coverage offered by the FDIC for banks, the NCUA operates the National Credit Union Share Insurance Fund (NCUSIF) to protect accounts at federally insured credit unions.

    MORE DETAILS:  Account type and ownership factor into coverage amounts. Read up on NCUA Share Insurance (PDF) to maximize your coverage, estimate your coverage online, or call our Member Service Center at 210-258-1234 or toll free at 800-688-7228 for further information on your insured funds.


    Roth Money Fund IRA Rates

    Account Balance Dividend Rate Annual Percentage Yield
    $0.00 - $499.99 0.30% 0.30%
    $500.00 - $999.99 0.70% 0.70%
    $1,000.00 - $9,999.99 1.74% 1.75%
    $10,000.00 - $89,999.99 1.99% 2.00%
    $90,000.00 and up 2.34% 2.36%

    Rates are effective as of May 17, 2024

    A penalty will be imposed for early withdrawal, including substantial penalties on tax-deferred instruments.

    Includes Traditional, Roth, and Education IRAs.

    The variable rate may change after the account is opened. Fees could reduce the earnings on these accounts.

    Balance tier determines daily dividend rate and annual percentage yield on the daily account balance.

    Your Credit Human deposits are insured up to $250,000 by the National Credit Union Administration (NCUA), as a U.S. Government Agency. In addition, your Credit Human IRA deposits are insured, separately, up to $250,000 by the NCUA. Membership eligibility required. For current rates, APY, or additional information, please ask an Account Service Representative or call the Credit Human Member Service Center U.S. Toll Free at 1-800-234-7228 or in San Antonio at 210-258-1234.

    * Each member of Credit Human is also a part owner and your $5.00 deposit establishes your membership. You must maintain $5.00 in your share savings account at all times to cover your ownership share in Credit Human.

    Find Credit Human Near You

    Need to visit us in person? Find the closest location or check out our ATM network.

    Find Us

    Certificates & IRAs

    View All

    Roth IRA Certificate

    Pay now, save later. Fewer age restrictions allow you to keep contributing so your account can continue to grow with tax-free earnings.

    Get Details

    Credit Cards & Loans

    View All

    Home Equity

    If you’ve spent years investing time and money into your home, it may be time to explore ways to leverage its value.

    Get Details