- Tax-advantaged retirement savings*
- Competitive rates above standard savings
- No setup or administrative fees
- No monthly or annual maintenance fees
- Penalty may apply for early withdrawal
- Annual contribution limits apply
- $25 minimum deposit to open
Roth IRA Certificates
The minimum deposit necessary to establish a Roth IRA Certificate is $1,000 for terms of eighteen months In addition, to three years. Balances of $500 have terms of four to seven years. Roth IRAs are available to any member who has income from compensation, with no age restriction.
Traditional IRA Certificates
Traditional IRA Certificates start at $1,000 for terms of eighteen months, to three years, and $500 for terms of four, five or seven years. Above all IRA Certificates are insured by the NCUA®
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Money Market IRA
The Money Market IRA is ideal for making regular withdrawals or when making required distributions. This account requires a minimum balance of $1,000 and earns the highest rate with a balance of $25,000 or more.
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Savings Certificates and IRA Certificates Traditional-Roth-EducationalRates Effective as of: 05-11-2021
Term Minimum Balance Dividend/Interest Rate APY 1 Year $500 0.300% 0.30% 1 Year $25,000 0.350% 0.35% 1 Year SAVE To WIN $25, Add-ons allowed 0.250% 0.25% 2 Year $500 0.350% 0.35% 2 Year $25,000 0.399% 0.40% 3 Year $500 0.399% 0.40% 3 Year $25,000 0.449% 0.45% 4 Year $500 0.449% 0.45% 4 Year $25,000 0.499% 0.50% 5 Year $500 0.499% 0.50% 5 Year $25,000 0.549% 0.55%
APY=Annual Percentage Yield
Penalty for early withdrawal
All 1 to 5 year certificates available as both regular and IRA certificates; except Save-to-Win.
IRA Certificates can be either Roth, Traditional or Education IRA
IRA Variable Rate Savings Traditional-Roth-EducationalRates Effective as of: 05-11-2021
Minimum Deposit Dividend/Interest Rate APY $100 0.05% 0.05%
APY=Annual Percentage Yield
Links to Truth-in-Savings, funds availability and other disclosures can be found in the "Privacy and Disclosure" link at the bottom of this webpage.
Frequently Asked QuestionsAn IRA CD works similarly to a regular CD. Your initial investment earns a fixed interest rate over a set timeframe and renews automatically. The more money you put in, the higher your rate will be which means a bigger return on your investment. The main difference is that unlike a regular CD, an IRA CD offers certain tax advantages that are associated with a traditional or Roth IRA.
Roth, Traditional and IRA Certificates
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