Ready for retirement? Make sure your savings are too.
Our IRAs offer competitive dividends and tax advantages* to help you grow your savings with confidence.
Features You’ll Love
- Earn competitive dividends
- No setup fees
- Set aside for education expenses
Save for retirement with tax advantages1.
- Competitive dividends above standard savings rates
- Traditional and Roth IRA options available
- No setup fees, monthly or annual maintenance fees
- Annual contribution limits apply (see Internal Revenue Service for more information)
- Additional $1,000 “catch-up” contribution allowed for ages 50+
- $1,000 minimum deposit to open
1Consult a tax advisor.
Advantages of Traditional vs. Roth IRAs
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 59½
- Early withdrawals subject to penalty2
- Mandatory withdrawals at age 70½4
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- Principal contributions can be withdrawn without penalty1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 dividends can begin at age 59½
- Early withdrawals on dividends subject to penalty2
- No mandatory distribution age
- No age limit on making contributions as long as you have earned income
1Subject to some minimal conditions. Consult a tax advisor.
2Certain exceptions apply, such as healthcare, purchasing first home, etc.
3Consult a tax advisor.
4The Required Minimum Distribution (RMD) age is 73 for tax years 2023 and later, and it will increase to 75 for those born in 1960 or later, starting in 2033. The first RMD must be taken by December 31 of the year you turn 73, or you have the option to delay until April 1 of the following year, but then you must take a second RMD by December 31.
Cover college expenses with a Coverdell ESA.
Help your student prepare for college. A Coverdell ESA provides a safe, tax-free place to build savings early for education expenses — free of setup and annual fees.
- Set aside funds for your child’s education
- No setup or annual fee
- Dividends grow tax-free
- Withdrawals are tax-free and penalty-free when used for qualified education expenses1
- Designated beneficiary must be under 18 when contributions are made
- To contribute to an ESA, certain income limits apply2
- Contributions are not tax deductible
- $2,000 maximum annual contribution per child
- The money must be withdrawn by the time he or she turns 303
- The ESA may be transferred without penalty to another member of the family
- $500 minimum deposit to open
1Qualified expenses include tuition and fees, books, supplies, board, etc.
2Consult your tax advisor to determine your contribution limit.
3Those earnings are subject to income tax and a 10% penalty.
*Consult 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 dividends 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 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
Flex Equity Variable Rate
| Term | Annual Percentage Rate (APR) as low as |
|---|---|
| 6 Months | Intro rate as low as 2.99% APR* |
| 12 Months | Intro rate as low as 3.99% APR* |
*APR = Annual Percentage Rate. Membership eligibility required. Loan rates and terms are determined by overall credit history and are subject to change without notice. Applications are subject to credit approval. Rates apply to new loans and are based on a loan to value (LTV) up to 80%. Restrictions apply. Existing lines with new advances do not qualify. Mortgage tax, county recording fees and tax servicing fees apply. Limited time offer. See branch for full details. Rate converts to GPO’s current line of credit rate, at the end of the 6th or 12th month. After 6 or 12 months, the APR (Annual Percentage Rate) may vary monthly based on the Prime Rate published in the Wall Street Journal plus a margin. Prime rate as of 9/17/2025 is 7.25%. Minimum Line of Credit loan is $10,000. Rates can increase or decrease, but not to exceed 16.00% APR. If closed within 3 years of the opening date, reimbursement for certain fees paid to third parties to open the loan is required. Fees vary depending on loan amount and can be as low as $958.50 for a $50,000 loan or $1,333.50 for a $100,000 loan. Homeowners insurance is required. Consult a tax advisor for deductibility for interest.
Holiday Loan
| Term | Annual Percentage Rate (APR) as low as |
|---|---|
| 1 to 12 months | 5.99% APR* |
*APR = Annual Percentage Rate. Membership eligibility required. Credit restrictions apply and applications are subject to credit approval. Loan rates are determined by overall credit history and are subject to change without notice. Typical monthly payments for a 1 year Holiday loan at 5.99% APR would be $86.07 per $1000 borrowed. Maximum loan amount of $2,000. See branch for full details.
Home Equity Fixed Rate
First Lien
|
Term |
Annual Percentage Rate (APR) as low as |
|---|---|
| 1 to 60 Months | 5.24% APR* |
| 61 to 120 Months | 6.24% APR* |
| 121 to 180 Months | 6.74% APR* |
| 181 to 240 Months | 6.99% APR* |
Second Lien
|
Term |
Annual Percentage Rate (APR) as low as |
|---|---|
| 1 to 60 Months | 5.74% APR* |
| 61 to 120 Months | 6.74% APR* |
| 121 to 180 Months | 7.24% APR* |
| 181 to 240 Months | 7.49% APR* |
*APR = Annual Percentage Rate. Membership eligibility required. Loan rates and terms are determined by overall credit history and are subject to change without notice. Applications are subject to credit approval. Rates apply to new loans and are based on a loan to value (LTV) up to 80%. Monthly payments for 10 years at 6.24% would be $11.23 per $1,000.00 borrowed. This does not include taxes and insurance. Actual payment amounts will be greater. Homeowners insurance is required. Consult a tax advisor for further information regarding the deductibility of interest and charges.
IRA Term Share Certificates
| Account Type | Dividend Rate | APY* |
|---|---|---|
| 12 Month | 3.784% | 3.85% |
| 24 Month | 3.590% | 3.65% |
| 36 Month | 3.590% | 3.65% |
| 48 Month | 3.687% | 3.75% |
| 60 Month | 3.687% | 3.75% |
Account Type: Traditional, Roth and Educational
*APY = Annual Percentage Yield. Dividends are compounded and posted monthly. There are dividend penalties for early withdrawal. Minimum balance of $1,000 or $500 on education IRAs. Dividend earnings may be affected by fees. Rates are subject to change. Membership eligibility required. NCUA insured. Speak with a GPO representative for current rate information as well as applicable fees and terms.
Mechanical Breakdown Protection Loan
| Term | Annual Percentage Rate (APR) as low as |
|---|---|
| 12 to 36 months | 5.49% APR* |
*APR = Annual Percentage Rate. Membership eligibility required. Credit restrictions apply and applications are subject to credit approval. Loan rates are determined by overall credit history and are subject to change without notice. Typical monthly payments for a 3 year MBP loan at 5.49% APR would be $30.20 per $1000 borrowed See branch for full details.
Money Market Share & IRAs
| Balance | Dividend Rate | APY* |
|---|---|---|
| $2,000 to $19,999.99 | 1.292% | 1.30% |
| $20,000 to $49,999.99 | 1.391% | 1.40% |
| $50,000 and up | 1.588% | 1.60% |
Account Type: Traditional, Roth and Educational
*APY = Annual Percentage Yield. Account balances below $2,000 minimum earn 0.20% less than posted regular share rate. Dividends are compounded and posted monthly. Dividend earnings may be affected by fees. The rate on a money market share & money market IRA is variable and may change after account opening. Membership eligibility required. NCUA insured. Speak with a GPO representative for current rate information as well as applicable fees and terms.
New Auto Loans (2022-2026)
| Term | Annual Percentage Rate (APR) as low as |
|---|---|
| 1 to 60 months | 5.49% APR* |
| 61 to 66 months | 5.99% APR* |
| 67 to 72 months | 6.24% APR* |
| 73 to 84 months** | 6.74% APR* |
*APR = Annual Percentage Rate. Membership eligibility required. Credit restrictions apply and applications are subject to credit approval. Loan rates are determined by overall credit history and are subject to change without notice. Typical monthly payments for a 5 year new auto loan at 5.49% APR would be $19.10 per $1000 borrowed. See branch for full details.
**2024-2026 models only
New Boat, Motorcycle, or RV Loans (2023-2026)
| Term | Annual Percentage Rate (APR) as low as |
|---|---|
| 1 to 66 months | 6.49% APR* |
| 67 to 84 months | 7.29% APR* |
| 85 to 120 months | 8.49% APR* |
| 121 to 180 months | 9.49% APR* |
Qualifications
*APR = Annual Percentage Rate. Membership eligibility required. Credit restrictions apply and applications are subject to credit approval. Loan rates are determined by overall credit history and are subject to change without notice. Typical monthly payments for a 5 year new boat, motorcycle or RV loan at 6.49% APR would be $19.57 per $1000 borrowed. Loan terms of 85 to 180 months need minimum loan amount of $40,000, maximum loan-to-value equals 90%. See branch for full details.
Overdraft Line of Credit
| Term | Annual Percentage Rate (APR) as low as |
|---|---|
| Line of Credit | 13.88% APR* |
Payment Saver Lease-Like Loan (2020-2026)
| Term | Annual Percentage Rate (APR) as low as |
|---|---|
| 24 to 60 months | 6.49% APR* |
| 61 to 72 months | 7.24% APR* |
*APR = Annual Percentage Rate. Membership eligibility required. Credit restrictions apply and applications are subject to credit approval. Loan rates are determined by overall credit history and are subject to change without notice. A typical Payment Saver loan of $30,000 at 6.49% APR would have 60 monthly payments at $406 each month, and would include a balloon payment amount due at loan maturity of $12,970. Loan amounts of $12,000 to $17,999 – add 1% to stated rate not to exceed 18.00%. See branch for full details.
Personal Secured Loans
| Term | Annual Percentage Rate (APR) as low as |
|---|---|
| 1 to 36 months | 7.74% APR* |
| 37 to 48 months | 8.74% APR* |
| 49 to 63 months | 9.74% APR* |
*APR = Annual Percentage Rate. Membership eligibility required. Credit restrictions apply and applications are subject to credit approval. Loan rates are determined by overall credit history and are subject to change without notice. Typical monthly payments for a 5 year secured loan at 9.74% APR would be $21.13 per $1000 borrowed. See branch for full details.
Personal Unsecured Loans
| Term | Annual Percentage Rate (APR) as low as |
|---|---|
| 1 to 36 months | 8.99% APR* |
| 37 to 48 months | 8.99% APR* |
| 49 to 63 months | 9.99% APR* |
*APR = Annual Percentage Rate. Membership eligibility required. Credit restrictions apply and applications are subject to credit approval. Loan rates are determined by overall credit history and are subject to change without notice. Typical monthly payments for a 4 year personal loan at 8.99% APR would be $24.88 per $1000 borrowed. See gpofcu.com or any GPO branch for full details.
Share Savings
| Account Type | Dividend Rate | APY* |
|---|---|---|
| Share Savings | 0.25% | 0.25% |
| Loan Payment Share Savings | 0.25% | 0.25% |
| Kids' Cash Savings | 0.25% | 0.25% |
| Club Accounts** | 0.25% | 0.25% |
| (HSA) Health Savings Account*** | 0.25% | 0.25% |
*APY = Annual Percentage Yield. Minimum balance of $50.01 is required to earn interest on all account types. Dividends are compounded and paid monthly. Dividend earnings may be affected by fees. The rate on a share savings account is variable and may change after account opening. Membership eligibility required. NCUA insured. Speak with a GPO representative for current rate information as well as applicable fees and terms.
**Club Accounts include Special Purpose, Christmas, and Vacation Accounts
***Health Savings Accounts are subject to the completion of an application and the account’s features, terms and conditions, which are subject to change at any time in accordance with applicable laws and agreements. Please see any branch for full details.
Term Share Certificates
| Account Type | Dividend Rate | APY* |
|---|---|---|
| 6 Month | 3.203% | 3.25% |
| 12 Month | 3.784% | 3.85% |
| 24 Month | 3.590% | 3.65% |
| 36 Month | 3.590% | 3.65% |
| 48 Month | 3.687% | 3.75% |
| 60 Month | 3.687% | 3.75% |
| Kids Only Savings (12 Month) | 3.784% | 3.85% |
*APY = Annual Percentage Yield. Dividends are compounded and posted monthly. There are dividend penalties for early withdrawal. Refer to certificate for details. Minimum balance of $1,000.00 is required for all account types except Kids Only Savings which require a minimum balance of $250.00. Dividend earnings may be affected by fees. Rates are subject to change. Membership eligibility required. NCUA insured. Speak with a GPO representative for current rate information as well as applicable fees and terms.
Used Auto Loans (2018-2021)
| Term | Annual Percentage Rate (APR) as low as |
|---|---|
| 1 to 60 months | 6.49% APR* |
| 61 to 66 months | 6.89% APR* |
*APR = Annual Percentage Rate. Membership eligibility required. Credit restrictions apply and applications are subject to credit approval. Loan rates are determined by overall credit history and are subject to change without notice. Typical monthly payments for a 5 year used auto loan at 6.49% APR would be $19.57 per $1000 borrowed. See branch for full details.
Used Boat, Motorcycle, or RV Loans (2020-2022)
| Term | Annual Percentage Rate (APR) as low as |
|---|---|
| 1 to 66 months | 6.99% APR* |
| 67 to 84 months | 7.99% APR* |
| 85 to 120 months** | 8.70% APR* |
| 121 to 180 months** | 10.99% APR* |
*APR = Annual Percentage Rate. Membership eligibility required. Credit restrictions apply and applications are subject to credit approval. Loan rates are determined by overall credit history and are subject to change without notice. Typical monthly payments for a 5 year used boat, motorcycle or RV loan at 6.99% APR would be $19.80 per $1000 borrowed.**Loan terms of 85 to 180 months need minimum loan amount of $40,000, maximum loan-to-value equals 90%. See branch for full details.
VISA Credit Cards
| Card | Annual Percentage Rate (APR) as low as |
|---|---|
| Visa Platinum | 7.99% APR* |
| Visa Balance Transfer | Intro rate as low as 3.99% APR** for 12 months |
*APR = Annual Percentage Rate. Membership eligibility required. Credit restrictions apply. Rates are determined by overall credit history and are subject to change without notice. Minimum interest charge is $1.00. Foreign Transaction Fee (Finance Charge) is 1% of each transaction amount. See any GPO branch for full details.
**APR = Annual Percentage Rate. Membership eligibility required. Credit restrictions apply. Rates based on credit history. Limited-time offer. After the 12 month introductory rate, the transfer rate will revert to the normal card rate as low as 7.99% APR. Rates subject to change. See branch for full details.
Warm Home Loan
| Term | Annual Percentage Rate (APR) as low as |
|---|---|
| 1 to 12 months | 5.99% APR* |
*APR = Annual Percentage Rate. Membership eligibility required. Credit restrictions apply and applications are subject to credit approval. Loan rates are determined by overall credit history and are subject to change without notice. Typical monthly payments for a 1 year Warm Home loan at 5.99% APR would be $86.07 per $1000 borrowed. Maximum loan amount of $3,000. See branch for full details.