<prompt> Human: Five years ago, I rolled my 401k from a previous employer into a Traditional IRA account at my local credit union. I was really young and didnt know anything at the time and admittedly dont know much more now, and all I can tell about the account is that it has a tiered rate APY returned .25 attached to each deposit usually between 1-3mo. I have been paying down other debts and have not been contributing to this account since I opened it, but it still seems like 230 in 5 years is a pretty low return. Am I misguided in thinking the account shouldcould return a lot more than this? Thanks for any help or advice you can give.edit: grammars  <response>: No. Thats terrible. You shouldnt have an IRA at your local bank, it should be at a brokerage and invested in stocks andor bonds, not a savings account. 