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Certificate Accounts

IRA Certificate Special4

IRA Certificate Special

IRA Certificate Accounts allow you to save for retirement in a tax-advantaged way by putting the funds into an IRA Certificate Account for a fixed term. Terms range from36 months to 60 months. The longer you pledge the funds, the greater the dividends.

  • Traditional and Roth options
  • Fixed dividend rate
  • Fixed-term rate
  • $500.00 minimum contribution

VIEW RATES  OPEN AN IRA CERTIFICATE

How to open an IRA Certificate:

  1. Select which type of IRA Certificate you would like from the options provided
  2. Fill in the required owner information and select Next
  3. If applicable, fill in beneficiary information and select Next
  4. Indicate whether you will contribute to this IRA Certificate
  5. Select the default IRA product and select Next
  6. Fill in the required fields on the Review and Sign Page
  7. In the Comment Box, indicate which IRA Certificate term you would like
  8. Fill in the electronic signature information and select Submit Signature

Certificate Accounts1

A Certificate Account is a type of savings account with unique features:

  • has a fixed dividend rate
  • has a fixed term length, depending on your needs ranging from 6- to 60-months
  • has a fixed date of withdrawal, also called a maturity date

A Certificate Account allows you to grow and save your money at the same time, at a term length that works best for YOU.  Like most other savings accounts, Certificate Accounts are federally insured by NCUA.2

What is the best Certificate Account for you?
Certificate Accounts with maturities of six (6) months and twelve (12) months1

Certificate Accounts earn from the date of deposit to the maturity date. The minimum deposit is $2,500.00.1

Certificate Accounts with maturities of eighteen (18) months or more1

Certificate Accounts earn from the date of deposit to the maturity date. The minimum deposit is $500.00.1

Certificate Accounts 6-60 months1

The amount for early withdrawal penalty is based on the term of the Certificate Account. The penalty schedule is as follows:

  • Term 6-12 months - 90 days dividends
  • Term 18-60 months - 180 days dividends

OPEN AN ACCOUNT  CERTIFICATE account CALCULATOR