Legacy Apex Credit Cards, Bank, and Loans - Personal and Business

Blueprint for a brighter tomorrow.

Start building a future made just for you.

What's a IRA Savings® account?

A fee-free savings account designed just for retirement.


Annual Percentage Yield

Tax-advantaged, to make the most of every dollar you save


No monthly fees to keep your account going

Member FDIC

All deposits FDIC-insured up to the allowable limits

What you can expect from your IRA Savings account.

Online ease. Always real people to talk to.

Tax Advantaged Icon

Tax Advantaged

Because Uncle Sam rewards those who save for retirement.

No Minimums Icon

No Minimums

Open an account and start earning interest on your balance from day 1.

Better Control Icon

Better Control

Manage all of your Legacy Apex® accounts in one place and transfer money with ease.

It's never too early to save for retirement.

Big dreams or small steps-the same IRA savings account rate.

Account Balance Annual Percentage Yield (APY)
All balances 1.00%

APYs are variable and effective as of 5/11/2018.

It's all about the big picture.

IRA Savings accounts come with tax benefits and FDIC protection. Something to consider when you're saving for the long term.

Your savings, safely tucked away.

Set it, forget it and simply watch it grow. That's how you build a solid foundation for the future-wherever that future may take you.

IRA Savings: 101

Unlock everything you need to know to open a IRA Savings account today. For answers, just click the arrow next to each question below.

  • What's an IRA?

    An Individual Retirement Account (IRA) is a tax-advantaged way for just about anyone with earned income to save for retirement. When you open a Legacy Apex IRA Savings account, you'll have the option of selecting between a Traditional IRA or a Roth IRA.

  • What's the difference between a Traditional IRA and a Roth IRA?

    Traditional IRAs and Roth IRAs differ in several ways, including their tax treatment. Contributions to Traditional IRAs may be tax-deductible, and earnings within the account aren't taxed until the funds are withdrawn. On the other hand, contributions to Roth IRAs are made on an after-tax basis, meaning both earnings and eligible withdrawals are tax-free. As always, consult your tax advisor for additional information.

  • What are some benefits of a IRA Savings account?

    A IRA Savings account is a tax-advantaged way to save for retirement that allows you to start earning interest on your balance from day 1. The money you put away will also be FDIC-insured up to allowable limits, and you'll never pay monthly fees while you're building your nest egg.

  • How is a IRA Savings account different from my other savings options at Legacy Apex?

    A IRA Savings account is tax-advantaged and intended for saving for retirement. If your savings goals are more short-term, you may want to explore non-IRA Savings® accounts and CDs®. Just remember, they won't have the same kind of tax advantages as an IRA.

  • What if I'm not ready to save for retirement?

    Having plenty of savings options means you can choose the level of commitment that's just right for you. Legacy Apex offers non-IRA products, including CDs with terms from 6 to 60 months, a Savings account with no minimum balance requirements, and more. Take a look around to see what fits your savings goals.

Questions? Get real answers, from real people.

Phone, social media, Morse code (okay maybe not Morse code). Talk to a Legacy Apex associate today-no SOS required.