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Roth, Traditional and IRA Certificates

Looking for a safe place for your Individual Retirement Account (IRA)?

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  • Overview
    • 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.

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    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.

  • Rates


    Savings Certificates and IRA Certificates Traditional-Roth-Educational

    Rates Effective as of: 08-04-2021
    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-Educational

    Rates Effective as of: 08-04-2021
    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.

  • FAQs

    Frequently Asked Questions

    An 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.

Where People Matter Most

Roth, Traditional and Money Market IRA Certificates

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Furthermore For more details about IRAs please ask the credit union for a brochure, or visit the Internal Revenue Service and As a result search for Publication 590.  As a rule, People Driven Credit Union savings are Federally insured to at least $250,000 by the NCUA and backed by the full faith and credit of the United States Government. APR = Annual Percentage Rate. In addition,  APY = Annual Percentage Yield. View our Privacy Policy and after that, read our disclaimer regarding links to other sites.