IRA Certificates

"I have big plans for my retirement years, so I need an income that can keep up with me."
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High-dividend yields

Potential tax benefits

Various choices with different terms

Get the certifiable way to boost your retirement savings.

Your investment portfolio likely includes diverse assets geared toward generating more wealth for retirement. Here's another resource for your long-term planning. When you have funds you can set aside for a set period of time, you can enjoy more growth at higher rates compared to standard options. Check out our various IRA Certificates to complement your additional investments.

  • Terms range from 3 months to 5 years.
  • Grow your money at higher rates than most standard savings accounts.
  • Traditional and Roth IRAs both offer potential tax advantages.
  • Visit Retirement Central to access more IRA information.

Keep in mind, IRA certificates automatically renew at maturity unless you indicate otherwise. If you choose not to renew, the money must roll over into another IRA or you may face a tax penalty. As always, consult your tax advisor for full details.

Certificate Specials

Your savings, your way. 

  • 4.00% APY* for 7 months
  • 3.75% APY* for 11 months

Limited time only. Minimum $1,000 opening balance required. New and existing money eligible for deposit.

Traditional IRA Certificates

With a Traditional IRA option, your contributions may be tax-deductible and you'll pay taxes when you withdraw your money.

  3 and 6 Month Terms 12 - 60 Month Terms
Minimum Deposit $500 $1,000
Dividend Structure Dividends will be paid at maturity and credited back to the certificate. Dividends will be credited and compounded to the certificate quarterly.

Jumbo IRA Certificates

  • Choose a term from 6 months to 5 years
  • $100,000 minimum initial deposit
  • Also available for traditional and Bump Rate Savings Certificates

Roth IRA Savings Certificates

The Roth IRA option allows for tax-free, qualified withdrawals, but your contributions are not tax-deductible.

  3 and 6 Month Terms 12 - 60 Month Terms
Minimum Deposit $500 $1,000
Dividend Structure Dividends will be paid at maturity and credited back to the certificate. Dividends will be credited and compounded to the certificate quarterly.

Coverdell Education Savings Certificates

Lock in fixed-rate growth for your child's or grandchild's future education expenses by investing in a Coverdell Certificate. Your savings can be used for college as well as primary and secondary education expenses in a private school.

  • Contribute up to $2,000 per child, per year, until the child reaches age 18.
  • Contributions can be made regardless of participation in any other IRA programs.
  • All contributions to the Coverdell Education Savings Certificate are non-deductible.
  • Earnings may be withdrawn tax-free if used to pay for qualified education expenses before the student reaches age 30.
  3 and 6 Month Terms 12 - 60 Month Terms
Minimum Deposit $100 $100
Dividend Structure Dividends will be paid at maturity and credited back to the certificate. Dividends will be credited and compounded to the certificate quarterly.
* APY = Annual Percentage Yield. APY offer is effective beginning December 19, 2024, and is subject to change without notice. Minimum $1,000 opening balance required. Offer valid for Business Certificates, Consumer Certificates, and Traditional IRA Certificates only. Subject to penalty for early withdrawal. Membership with Clearview is required to take advantage of this offer. Insured by NCUA.

After 7-month certificate matures, the certificate will automatically renew at the then-current 6-month certificate rate unless you indicate otherwise.

After 11-month certificate matures, the certificate will automatically renew at the then-current 12-month certificate rate unless you indicate otherwise.

Consider this before you open an IRA certificate

What is an IRA certificate?

It's a low-risk, higher-reward type of investment that offers the fixed interest earnings of a savings certificate combined with the tax benefits of an IRA.

How do IRA certificates work?

With Clearview, you have the flexibility to choose the term length for your IRA certificate. This is the period during which your money will earn dividends at a fixed rate. Typically, longer terms and larger deposits yield higher rates. You can select terms ranging from 6 months to 5 years. It's best if you don't need to access the funds during this period, as early withdrawal may result in penalties.

What is the difference between an IRA certificate and a savings certificate?

Both IRA certificates and traditional savings certificate are important parts of your portfolio, but each are designed to help you reach different goals. An IRA certificate is intended to enhance your retirement income, while a regular savings certificate is geared toward achieving shorter-term goals, such as funding a vacation, purchasing a home, or buying a car. There are also tax differences between the two. With a traditional savings certificate, you must pay taxes on the interest earned in the year you receive it. In contrast, the interest earned on an IRA certificate is tax-deferred, allowing more money to remain in the IRA and increasing long-term growth. Contributions may also be tax deductible with an IRA certificate.

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