Woman holding a fan of money

Ready to retire? Just starting out? Or somewhere in between?

We can help you create a plan to achieve your goals. ANECA offers competitive IRA rates. We also offer IRA share certificates with terms ranging from one to five years. For current interest rates, click here, or contact us directly at (318) 698-6000.


An Individual Retirement Account is an excellent tool for retirement savings. Depending on the type of IRA you choose, contributions may be tax deductible and will grow either tax-deferred or tax-free! Contact one of our Certified IRA Member Service Representatives for more information about the benefits of IRA’s

Traditional IRA

A Traditional IRA is a type of retirement plan that has been in existence since 1975. They offer tax-deferred earnings and the possibility for tax-deductible contributions. These tax advantages make the traditional IRA a powerful tool in creating a balanced, long term savings plan.* You can contribute to a traditional IRA if you earn compensation and will not reach age 70 ½ by the end of the year. Earnings in a traditional IRA are not taxed until they are withdrawn. The ability to defer taxes on earnings and to withdraw in a year when you may be in a lower tax bracket can mean more after-tax dollars for your retirement

Roth IRA

A Roth IRA is an individual retirement account created by the Taxpayer Relief Act of 1997. This IRA offers generous incentives to boost your retirement savings, as well as more ways to use your nest egg.* Contributions are never tax deductible so they can be withdrawn tax-free. Qualified distributions are tax-free. Flexible withdrawal options are available.


Piggy Bank

IRA Rates – Effective Friday, July 8, 2016

12 Month IRA0.80%$1000.00$1000.00
24 Month IRA1.00%$1000.00$1000.00
36 Month IRA1.31%$1000.00$1000.00
48 Month IRA1.61%$1000.00$1000.00
60 Month IRA1.92%$1000.00$1000.00

Fixed Rate Share Certificate (CDs)

Enjoy a guaranteed return on your investment. Fixed rate Share Certificates are safe, secure and a smart part of a diversified investment plan.

ANECA Federal Credit Union offers competitive Share Certificate rates on terms ranging from 6 months to 5 years. You can open a Share Certificate for as little as $1000.00. For current interest rates, click here, or contact us directly at (318) 698-6000.

When it comes to saving money for the future, we offer a full range of fixed rate Share Certificate to meet your needs. Interest is paid monthly. We offer three convenient interest payment options:

  • Add the interest payment to the principal amount of your Certificate of Deposit.
  • Automatically deposit the interest to your ANECA checking or savings account.
  • Receive an interest check by mail.
At the time that you are setting up the Shared Certificate, you have the option to automatically renew the Shared Certificate or allow it to end on the ending date. If you choose the automatic renewal, you will have a 15 day grace period from the maturity date to withdraw the funds without penalty. You may change the term of your Share Certificate, make deposits or withdrawals during the grace period. Each renewal term will be the same as the original term, beginning on the maturity date.
An early withdrawal will reduce earnings and in some cases, reduce the principal amount. Please contact a Member Service Representative for further details..

For more information, please call ANECA at (318) 698-6000.

* Consult your tax advisor or legal counsel for advice and information concerning your particular situation. Representatives of ANECA Federal Credit Union may not give legal or tax advice.


AIf you have a few bucks to put aside for a bit of a better interest rate, certificates are a great option.

Money Market Account

A Great Way to Earn Higher Dividends on Your Money & Still Have Access to Your Money!