Personal

IRA Certificate Accounts

Traditional IRA Certificates

These certificates are available in the following amounts and terms:

  • 3 and 6 month - $500 minimum deposit. Dividends will be paid at maturity and credited back to the certificate.
  • 12, 18, 24, 30, 36, 48 and 60 month - $1,000 minimum deposit. The dividends will be credited and compounded to the certificate quarterly.
  • Traditional IRA certificates will automatically renew at maturity unless you indicate otherwise. If you choose not to renew, the money must roll over into another IRA account or you may face a tax penalty.
  • Early withdrawal penalties apply to the IRA certificates.
  • Traditional IRA Certificate Rates on the Traditional IRA certificates change weekly, but you will lock into the current rate when you open a certificate.
  • Jumbo Certificates are available at various rates and terms. For current rate and disclosure information, contact Clearview at 1-800-926-0003.
  • Or, visit Retirement Central, where you can access IRA information.

Roth IRA Savings Certificates

These certificates are available at the same rate as Traditional IRA Certificates and available in the following amounts and terms:

  • 3 and 6 month - $500 minimum deposit. Dividends will be paid at maturity and credited back to the certificate.
  • 12, 18, 24, 30, 36, 48 and 60 month - $1,000 minimum deposit. The dividends on these certificates will be credited and compounded to the certificate quarterly.
  • Roth IRA Certificates will automatically renew at maturity unless you indicate otherwise. If you choose not to renew the certificate, the money must roll over into another IRA account or you may face a tax penalty.
  • Roth IRA Savings Certificate Rates change weekly, but you will lock into the current rate when you open a certificate.
  • Jumbo Certificates are available at various rates and terms. For current rate and disclosure information, contact Clearview at 1-800-926-0003.
  • Or, visit Retirement Central, where you can access IRA information.

Coverdell Education IRA Savings Certificates

These certificates focus on the need for meeting the costs of higher education. Contributions can be made regardless of participation in any other IRA programs. More information, amounts and terms are listed below:

  • Qualified individuals, whether related to the child or not, may contribute up to the combined maximum contribution of $2,000 per child per year, until the child reaches the age of 18.
  • All contributions to the Coverdell Education IRA are non-deductible.
  • Earnings may be withdrawn tax-free if used to pay for qualified education expenses before he or she reaches age 30.
  • If the funds have not been distributed or rolled over by age 30, the earnings made at that time will be taxable and subject to a 10% IRS penalty tax to the beneficiary.
  • 3 and 6 month - $100 minimum deposit. Dividends will be paid at maturity and credited back to the certificate.
  • 12, 18, 24, 30, 36, 48 and 60 month - $100 minimum deposit. The dividends on these certificates will be credited and compounded to the certificate quarterly.
  • Or, visit Retirement Central, where you can access IRA information.