<prompt> Human: Im researching Roth IRA options, and trying to learn how they work, etc. I know the basics: 5500year, money is tax-free when I eventually start tapping into it, at 50 I can up my contributions to 6500year, etc. I know that I will have to make investment choices within my IRA, and Im starting to get my head around target date funds and ETFs I think, still reading and learning. My credit union states that IRA accounts with them earn 1.5 APY. What does that mean exactly? Because surely my invested 5500 will be yielding me more than 1.5 per year, right?  <response>: Open an IRA with Vanguard, Fidelity, or Schwab. They have the low expense ratio index funds that you should invest in with no extra fees. 