Personal Banking

Individual Retirement Accounts (IRAs)

At SharePoint our goal is to assist our members in preparing for their retirement years by offering IRA products that are designed to be safe and secure. Dividends are paid quarterly on IRA savings and IRA Certificate of Deposits. Along with earning more, this is an excellent way to supplement your retirement savings account.

Wondering what the differences are between a Traditional IRA and a Roth IRA? Are you eligible for both? Use the following brochures to help you choose the IRA that best meets your needs.

Traditional IRA: Answers To Your Questions
Roth IRA: Answers To Your Questions
Traditional IRA vs. Roth IRA: Exploring Your IRA Options
Traditional IRA vs. Roth IRA: Taking A Closer Look At Eligibility
Growing Your Savings During Every Stage Of Life

No Rollover or Conversion Fees:
With no minimum balance to open any IRA account or any maintenance fees, our retirement products offer members a great way to further diversify their personal savings plan. Read the following brochures for more information.

Retirement Plan Rollovers: Rolling Your Way To A Better Retirement
Conversions: Moving Into A Roth IRA 

For more information on how to open an IRA or how to transfer IRA funds to SharePoint, call a knowledgeable SharePoint Representative at (952) 930-0700.

* This information is not intended to provide legal advice or to be a detailed explanation of the rules or how such rules may apply to your individual circumstances. For more specific information, please contact your financial advisor or tax professional.   
Next Steps

Type Rate APY*
Regular Share Savings
$5.00 and above 0.100 0.100

Money Market (avg daily balance)
up to $4,999.99 0.100 0.100
$5,000 - $9,999.99 0.150 0.150
$25,000 - $49,999.99 0.199 0.200
$10,000 - $24,999.99 0.199 0.200
$50,000 and above 0.250 0.250

Free Checking 0.000 n/a
Advantage Checking † 0.100 0.100
Choice Plus Checking 0.100 0.100
Premier Rate Checking - On Going Rate 1.000 1.000
Premier Rate Checking - Introductory Rate 5.000 5.000
IRAs 0.399 0.400
*APY = Annual Percentage Yield and is subject to change.

† Not available for new members.


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SharePoint Credit Union - 5300 Hyland Greens Drive, Bloomington, MN 55437
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