Certificates

Setting up an Individual Retirement Account (IRA) allows you to benefit from certain tax advantages while taking your retirement savings into your own hands. Your money may be locked in for a while, so it’s important to choose one that falls in line with your long-term goals. Call, or visit a branch to learn more.

Traditional IRA Certificate Rates

11 APY = Annual Percentage Yield as of 7/10/2019. Dividends compounded and credited quarterly. Any withdrawal prior to maturity will reduce earnings. A penalty is imposed if certificate funds other than earned dividends are withdrawn before maturity date.

13 Bump Your Rate Certificate: Personal checking account required to open. New checking accounts must have direct deposit. Dividend rate may be changed to match any current comparable 36 month share certificate rate offered by the credit union once during the term of the certificate.

Product Min. Deposit to Open Min. Balance Tiers, APY11 / Dividend Rate
Regular Term Traditional IRA Certificates $0 $20,000 $100,000
6 months $500 0.25% / 0.25% 0.30% / 0.30% 0.35% / 0.35%
12 months (Roth & SEP also available) $500 1.55% / 1.54% 1.70% / 1.69% 1.95% / 1.94%
24 months $500 1.60% / 1.59% 1.75% / 1.74% 2.00% / 1.98%
36 months13 $500 2.60% / 2.57% 2.75% / 2.72% 2.90% / 2.87%
48 months $500 2.70% / 2.67% 2.80% / 2.77% 2.90% / 2.87%
60 months $500 2.70% / 2.67% 2.80% / 2.77% 2.90% / 2.87%