Whether through a traditional IRA, a SEP IRA, or a ROTH IRA, Wallkill Valley Federal is ready and able to assist you in attaining your retirement goals.

We have customized our Variable Rate IRA so that it offers a great CD-based interest rate at all times. A great rate along with FDIC Insured safety makes for a terrific way to save for your retirement.

The interest rate paid on our variable rate IRA is tied directly to the interest rate paid on our 30 month CD on the first of each month. Whatever our historically high-yielding 30 month CD is paying on the 1st of the month is the rate you will earn for that entire month on your IRA. During the 18 month term of the CD, the interest rate can go as high as 15.00%.

Here are some other advantages of our Variable Rate IRA:

  • A minimum opening deposit of $ 10.00.
  • No trustee fees or service charges.
  •  Interest is compounded continuously and credited monthly.
  • Although the rate is tied to the 30 month CD rate, the CD matures every 18 months.

Give us a call, stop in, or e-mail at for additional information regarding this account. One of our knowledgeable IRA representatives will be glad to answer any questions that you might have.

See Deposit Rates for the most up to date information.