Retirement

Happy senior couple with dinner
Happy senior couple with dinner

Interested? Give us a call at 206.628.5048 for more information.

Partner with us. Plan ahead.

The future looks good, especially when you prepare for it.

With an Individual Retirement Account (IRA), you can choose the future of your dreams.

  • No annual, closing, or setup fees
  • $5 minimum opening deposit
  • Competitive dividends

Traditional IRA

If you’re looking for potential tax relief now, this is the IRA for you.

  • No minimum contribution required
  • No maximum income limits
  • Earnings are tax deferred

Current as of 06/10/2019

Dividend RateAPY*Min. deposit to open
0.25%0.25%$5
Senior lady writing on a notepad

Roth IRA

If you’re hoping to receive the most tax benefit when you retire, a Roth IRA is a good choice.

  • Contributions can continue while you have earned income
  • Contributions are not tax deductible
  • No penalties for withdrawing principal contributions at any time
  • Income limits apply

Current as of 06/10/2019

Dividend RateAPY*Min. deposit to open
0.25%0.25%$5

*APY = Annual Percentage Yield

Rates accurate as of the last dividend declaration date. Fees may reduce earnings. Rates subject to change at any time after account opening. 

Resources (click on icons for information)

Stopwatch icon
Retirement Central
IRA Documents icon
IRA Documents

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Check out our ADDvantage Savings account for an easy way to build your savings at the same time! New members only need to make a $5 deposit to open an account.

Opening a savings account establishes membership with Inspirus Credit Union and must be maintained to remain an active member.

Three ways to apply

Remember when using email...

Please do not include sensitive information such as account numbers, passwords, and Social Security Numbers in your email message. If you’re a member and would like to send a secure, encrypted email, please log into Digital Banking and navigate to the Message Center.

Email

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Use your desktop or web-enabled smartphone for an easy and more secure way to do all your banking through our Digital Banking Platform. For even more convenience, download our mobile app for access to your accounts anytime, anywhere.

For mobile banking:

Easily download the following apps, then set up mobile banking.

Learn More

Visit our FAQs.

No monthly service fees

Stop paying to access your money. Get peace of mind with an account that won’t charge you to use it.

Direct Deposit

Avoid the hassle of standing in line and waiting to deposit a check. Get funds directly deposited into your account—it’s fast, convenient, and safe. Payments can be deposited from an employer, retirement funds, or other monthly income.

Deposit Forms

Text Notifications

Keep tabs on your money with text notifications. Simply log in to Digital Banking and navigate to contact settings to activate your cell phone. Then choose what alerts you would like from account balances and deposits to transfers, and more.

Read our guide

Free ATM Card

You can access your account with a free ATM card. Enjoy peace of mind knowing you are able to withdraw cash in an emergency.

ATM Locations

Free eStatements

No more searching through stacks of past statements or waiting on the mail for a new one. Get eStatements and eliminate a paper trail of your private information. You’ll not only help the environment, but also protect yourself from identity theft!

Learn More

Youth Education

Our passion for education benefits local schools and organizations as well as our members. Through money-saving products, free services, and education resources, we strive to provide you with the means to achieve your financial goals starting at any age.

Learn more

Courtesy Pay

You can relax knowing that whether you’re traveling on vacation, out to dinner with the in-laws, or grabbing those last minute groceries, we can provide you with the necessary funds if you overdraw your account. Opt-in online, or complete and return this form. For assistance with the form please call 888-628-4010.

Mobile Payments

Purchase your morning coffee or fill up your tank with your favorite Apple®, Samsung®, or Android mobile device. It’s free and easy! You can add both your Inspirus Credit and Debit Cards. It’s as simple as snapping a picture.

Learn More

Transaction Alerts

You have the option to quickly identify suspicious purchases in real-time. Receive alerts via email or text sent directly to your mobile device. It’s free to enroll! Plus, you get to choose what notification triggers you want, like exceeding a set amount.

Unlimited Checks

As an Inspirus member, you have unlimited check writing capabilities with your Checking account. Easily reorder checks anytime through our Digital Banking Platform, by mail, or call us at 888-628-4010.

Free Online Bill Pay

Easily pay one-time or reoccurring bills through our Digital Banking Platform. Once you sign up, you can schedule payments in advance to all service providers, all on one screen. It’s free and doesn’t require postage, so you save money.

Your guide to Bill Pay

Free debit card

Enjoy direct access to your money at any time with one dynamic piece of plastic and loads of convenience. A Visa® debit card allows you to make purchases online or in-store virtually anywhere in the world, without racking up interest or paying monthly fees.

ATM Locations

Visa Account Updater

We’ll help keep your card information updated! When you save your Inspirus Credit or Debit card for things like bill payments and online purchases, we can help update it automatically if your payment info changes.

So if your card is re-issued or your expiration date changes, you may not have to update your payment info with every biller and merchant where you have it saved.*

  • Skip the hassles of re-entering or resubmitting your payment info
  • Avoid declined payments and service interruptions
  • Count on Inspirus to keep your card info secure

It’s just one more reason your Inspirus Visa card is the easy way to pay for everything from your morning coffee to your monthly cable bill.

*Not all merchants participate in automatic updates. Updates are not guaranteed before the next billing cycle.

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New Users

Brand new user or a joint account holder logging in for the first time? Follow this link to register for a new digital banking username and to log in for the first time.

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Email is an unsecure method of communication. Sensitive information such as account numbers, passwords, and social security numbers should be omitted from email messages. If you’re a member and would like to send a secure, encrypted email, please log into Online Banking, select Support, and click on Secure Email.

Proceed to Email

Easily pay one-time or reoccurring bills through our Digital Banking Platform. Once you sign up, you can schedule payments in advance to all service providers, all on one screen. It’s free and doesn’t require postage, so you save money.

Your guide to Bill Pay

Come Back Soon!

Email is an unsecure method of communication. Sensitive information such as account numbers, passwords, and social security numbers should be omitted from email messages. If you’re a member and would like to send a secure, encrypted email, please log into Online Banking, select Support, and click on Secure Email.

Proceed to Email

Opening an account shouldn’t cost an arm and a leg, and it won’t at Inspirus!

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You are now entering a third-party site. Please note that it may have privacy and security policies, and accessibility standards different from our own. Inspirus Credit Union does not guarantee nor expressly endorse any products or services advertised on this site. The business associated is solely responsible for the delivery and quality of those products or services as well as the accuracy of the information presented.

Skip-A-Payment

Feeling the pinch this month and could use a little extra cash? Skip-a-Payment lets you defer your monthly payment on eligible Inspirus Credit Union loans without affecting your credit rating. We’ll simply add the payment to the end of your loan term, so a 60-month loan becomes a 61-month loan.

Specifics:

Visit our FAQs to learn more

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Here is the breakdown

Public Schools - K to 12

$341,277.30

Communities Supporting Schools & Education

$108,280.79

College Partnerships

$63,920.00

Associations for Education Administration

$95,100.00

University Partnerships

$43,041.86

Total Giveback for 2018

$651,619.95

Inspirus members have the ability to pay off a loan at any time with absolutely no repayment penalty or fee.

Cardholder Inquiry Service

Cardholder Inquiry Service provides customer phone support for general inquiries and provides product/service information for Visa cardholders. Visa Global Customer Care Services team provides information regarding general account or card benefit questions.

Inspirus mortgage professionals are a part of the Nationwide Multistate Licensing System & Registry & Registry (NMLS) which promotes uniformity and transparency throughout the real estate industry. Each mortgage professional is identified by their individual NMLS number in the Registry System. You can use the NMLS® Consumer Access℠ to verify a mortgage professional’s legitimacy.

Inspirus Mortgage Loan Officers

Auto Rental Collision

Receive coverage for automobile rentals made with your Visa card. This benefit provides reimbursement (subject to terms and conditions) for damage due to collision or theft.

Learn more

Travel accident and baggage delay insurance

Use your Platinum Card the next time you travel and you and your family will be automatically insured. That means less worrying about lost luggage and more peace of mind should an untimely accident occur.

Description of Coverage

Traveling? Don’t forget to notify us! 1-866-820-4927

Verified by Visa

Inspirus members are automatically enrolled. When making an online purchase from a participating merchant, you’ll be asked to activate Verified by Visa for your Inspirus Visa debit card. Simply verify your identity and create a unique password that you’ll use to make secure transactions. That’s it!

Learn more

Elements of Money Program

A financial program that provides a full suite of resources to help shape your teen or tween into a financially-savvy adult. All products are co-signed by parents or guardians, allowing you to pick the exact combination that’s right for your child’s maturity and individual needs.

Learn More

Digital & Mobile Banking

Use your desktop or web-enabled smartphone for an easy and more secure way to do all your banking through our Digital Banking Platform. For even more convenience, download our mobile app for access to your accounts anytime, anywhere.

For mobile banking:

Easily download the following apps, then set up mobile banking.

Learn More

Visit our FAQs.

No annual fees

Stop paying to use your own card. Get peace of mind with a credit card that won’t charge you an annual fee to use it.

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You are now entering a third-party site. Please note that it may have privacy and security policies, and accessibility standards different from our own. Inspirus Credit Union does not guarantee nor expressly endorse any products or services advertised on this site. The business associated is solely responsible for the delivery and quality of those products or services as well as the accuracy of the information presented.

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You are now entering a third-party site. Please note that it may have privacy and security policies, and accessibility standards different from our own. Inspirus Credit Union does not guarantee nor expressly endorse any products or services advertised on this site. The business associated is solely responsible for the delivery and quality of those products or services as well as the accuracy of the information presented.

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You are now entering a third-party site. Please note that it may have privacy and security policies, and accessibility standards different from our own. Inspirus Credit Union does not guarantee nor expressly endorse any products or services advertised on this site. The business associated is solely responsible for the delivery and quality of those products or services as well as the accuracy of the information presented.

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You are now entering a third-party site. Please note that it may have privacy and security policies, and accessibility standards different from our own. Inspirus Credit Union does not guarantee nor expressly endorse any products or services advertised on this site. The business associated is solely responsible for the delivery and quality of those products or services as well as the accuracy of the information presented.

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You are now entering a third-party site. Please note that it may have privacy and security policies, and accessibility standards different from our own. Inspirus Credit Union does not guarantee nor expressly endorse any products or services advertised on this site. The business associated is solely responsible for the delivery and quality of those products or services as well as the accuracy of the information presented.

Move Money

Make money transfer in the Digital Banking Platform by clicking on the Transfers widget. There you will be able to make quick, one-time transfers or schedule recurring transfers like loan payments. It’s simple:

  • Select the account you wish to transfer money from
  • Choose the amount you would like to transfer
  • Select the account where you’d like the money to go

You can also send money in real time using the PayDough widget. All you need is a valid email address or mobile phone number.

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You are now entering a third-party site. Please note that it may have privacy and security policies, and accessibility standards different from our own. Inspirus Credit Union does not guarantee nor expressly endorse any products or services advertised on this site. The business associated is solely responsible for the delivery and quality of those products or services as well as the accuracy of the information presented.

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You are now entering a third-party site. Please note that it may have privacy and security policies, and accessibility standards different from our own. Inspirus Credit Union does not guarantee nor expressly endorse any products or services advertised on this site. The business associated is solely responsible for the delivery and quality of those products or services as well as the accuracy of the information presented.

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You are now entering a third-party site. Please note that it may have privacy and security policies, and accessibility standards different from our own. Inspirus Credit Union does not guarantee nor expressly endorse any products or services advertised on this site. The business associated is solely responsible for the delivery and quality of those products or services as well as the accuracy of the information presented.

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You are now entering a third-party site. Please note that it may have privacy and security policies, and accessibility standards different from our own. Inspirus Credit Union does not guarantee nor expressly endorse any products or services advertised on this site. The business associated is solely responsible for the delivery and quality of those products or services as well as the accuracy of the information presented.

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You are now entering a third-party site. Please note that it may have privacy and security policies, and accessibility standards different from our own. Inspirus Credit Union does not guarantee nor expressly endorse any products or services advertised on this site. The business associated is solely responsible for the delivery and quality of those products or services as well as the accuracy of the information presented.

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You are now entering a third-party site. Please note that it may have privacy and security policies, and accessibility standards different from our own. Inspirus Credit Union does not guarantee nor expressly endorse any products or services advertised on this site. The business associated is solely responsible for the delivery and quality of those products or services as well as the accuracy of the information presented.

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You are now entering a third-party site. Please note that it may have privacy and security policies, and accessibility standards different from our own. Inspirus Credit Union does not guarantee nor expressly endorse any products or services advertised on this site. The business associated is solely responsible for the delivery and quality of those products or services as well as the accuracy of the information presented.

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You are now entering a third-party site. Please note that it may have privacy and security policies, and accessibility standards different from our own. Inspirus Credit Union does not guarantee nor expressly endorse any products or services advertised on this site. The business associated is solely responsible for the delivery and quality of those products or services as well as the accuracy of the information presented.

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You are now entering a third-party site. Please note that it may have privacy and security policies, and accessibility standards different from our own. Inspirus Credit Union does not guarantee nor expressly endorse any products or services advertised on this site. The business associated is solely responsible for the delivery and quality of those products or services as well as the accuracy of the information presented.

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You are now entering a third-party site. Please note that it may have privacy and security policies, and accessibility standards different from our own. Inspirus Credit Union does not guarantee nor expressly endorse any products or services advertised on this site. The business associated is solely responsible for the delivery and quality of those products or services as well as the accuracy of the information presented.

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You are now entering a third-party site. Please note that it may have privacy and security policies, and accessibility standards different from our own. Inspirus Credit Union does not guarantee nor expressly endorse any products or services advertised on this site. The business associated is solely responsible for the delivery and quality of those products or services as well as the accuracy of the information presented.

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You are now entering a third-party site. Please note that it may have privacy and security policies, and accessibility standards different from our own. Inspirus Credit Union does not guarantee nor expressly endorse any products or services advertised on this site. The business associated is solely responsible for the delivery and quality of those products or services as well as the accuracy of the information presented.

Fraud Alert!

As a reminder, Inspirus will not call or email you asking for your personal information (account number, online banking credentials, etc.). If you have questions, don’t hesitate to call us at 888.628.4010.

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Payment Protection

Use your card to make purchases anywhere. With EMV Chip security, you’re protected from unauthorized use of your card or account information. Learn more here.

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Travel & Emergency Assistance

In the event of an emergency, you can get connected to local emergency and assistance resources available when you are away from home.

Warranty Manager Service

Provides you with valuable features to help manage, use, and even extend the warranties of eligible items purchased with your card. You can access these features with a simple toll-free call. Services include Warranty Registration and Extended Warranty Protection.

Cell Phone Protection

Cardholders will be reimbursed for damage to or theft of an eligible Cellular Wireless Telephone.

Card Personalization

Create a card that is uniquely you for only $10. Choose your favorite photo or select from a gallery of pre-designed images. Crop, rotate, or flip your photo selection for the desired look.

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You are now entering a third-party site. Please note that it may have privacy and security policies, and accessibility standards different from our own. Inspirus Credit Union does not guarantee nor expressly endorse any products or services advertised on this site. The business associated is solely responsible for the delivery and quality of those products or services as well as the accuracy of the information presented.

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You are now entering a third-party site. Please note that it may have privacy and security policies, and accessibility standards different from our own. Inspirus Credit Union does not guarantee nor expressly endorse any products or services advertised on this site. The business associated is solely responsible for the delivery and quality of those products or services as well as the accuracy of the information presented.

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You are now entering a third-party site. Please note that it may have privacy and security policies, and accessibility standards different from our own. Inspirus Credit Union does not guarantee nor expressly endorse any products or services advertised on this site. The business associated is solely responsible for the delivery and quality of those products or services as well as the accuracy of the information presented.

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You are now entering a third-party site. Please note that it may have privacy and security policies, and accessibility standards different from our own. Inspirus Credit Union does not guarantee nor expressly endorse any products or services advertised on this site. The business associated is solely responsible for the delivery and quality of those products or services as well as the accuracy of the information presented.

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You are now entering a third-party site. Please note that it may have privacy and security policies, and accessibility standards different from our own. Inspirus Credit Union does not guarantee nor expressly endorse any products or services advertised on this site. The business associated is solely responsible for the delivery and quality of those products or services as well as the accuracy of the information presented.

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You are now entering a third-party site. Please note that it may have privacy and security policies, and accessibility standards different from our own. Inspirus Credit Union does not guarantee nor expressly endorse any products or services advertised on this site. The business associated is solely responsible for the delivery and quality of those products or services as well as the accuracy of the information presented.

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You are now entering a third-party site. Please note that it may have privacy and security policies, and accessibility standards different from our own. Inspirus Credit Union does not guarantee nor expressly endorse any products or services advertised on this site. The business associated is solely responsible for the delivery and quality of those products or services as well as the accuracy of the information presented.

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You are now entering a third-party site. Please note that it may have privacy and security policies, and accessibility standards different from our own. Inspirus Credit Union does not guarantee nor expressly endorse any products or services advertised on this site. The business associated is solely responsible for the delivery and quality of those products or services as well as the accuracy of the information presented.

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You are now entering a third-party site. Please note that it may have privacy and security policies, and accessibility standards different from our own. Inspirus Credit Union does not guarantee nor expressly endorse any products or services advertised on this site. The business associated is solely responsible for the delivery and quality of those products or services as well as the accuracy of the information presented.

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You are now entering a third-party site. Please note that it may have privacy and security policies, and accessibility standards different from our own. Inspirus Credit Union does not guarantee nor expressly endorse any products or services advertised on this site. The business associated is solely responsible for the delivery and quality of those products or services as well as the accuracy of the information presented.

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You are now entering a third-party site. Please note that it may have privacy and security policies, and accessibility standards different from our own. Inspirus Credit Union does not guarantee nor expressly endorse any products or services advertised on this site. The business associated is solely responsible for the delivery and quality of those products or services as well as the accuracy of the information presented.

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You are now entering a third-party site. Please note that it may have privacy and security policies, and accessibility standards different from our own. Inspirus Credit Union does not guarantee nor expressly endorse any products or services advertised on this site. The business associated is solely responsible for the delivery and quality of those products or services as well as the accuracy of the information presented.

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You are now entering a third-party site. Please note that it may have privacy and security policies, and accessibility standards different from our own. Inspirus Credit Union does not guarantee nor expressly endorse any products or services advertised on this site. The business associated is solely responsible for the delivery and quality of those products or services as well as the accuracy of the information presented.

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24/7 Concierge Service

Wherever your travels take you, this complimentary service can help plan your trip, book dinner reservations, and find sports or entertainment tickets.

Learn more: visasignatureconcierge.com