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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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.  

  • 3.40% APY for 5 months

  • 3.10% APY for 7 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 Terms12 - 60 Month Terms
Minimum Deposit$500$1,000
Dividend StructureDividends 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 Terms12 - 60 Month Terms
Minimum Deposit$500$1,000
Dividend StructureDividends 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 Terms12 - 60 Month Terms
Minimum Deposit$100$100
Dividend StructureDividends will be paid at maturity and credited back to the certificate.Dividends will be credited and compounded to the certificate quarterly.

Know this before you open an IRA Savings Account

  • What is an IRA Savings Account?

    IRA savings accounts are similar to regular savings accounts in that they are NCUA-protected and earn interest. However, IRAs have annual contribution limits—$7,500 if you're under 50 and $8,600 if you're 50 or older in 2026—and differ in tax treatment: traditional IRAs offer tax-deferred growth, while Roth IRAs involve paying taxes upfront but allow for tax-free withdrawals.

    View savings accounts

  • How does an IRA Savings Account work?

    You deposit funds into your chosen account type, Traditional or Roth IRA and watch your retirement savings grow overtime with added tax benefits. With a Traditional IRA, you might get a tax break now, but you'll pay taxes when you withdraw the money in retirement. With a Roth IRA, you pay taxes on the money you put in, but your withdrawals in retirement are tax-free. 

  • What is the difference between a Traditional IRA and a Roth IRA?

    For a Traditional IRA, contributions must come from earned income and be made by April 15th of the following year; they may be tax-deductible and have limits that vary by age and year. Withdrawals before age 59½ incur a 10% IRS penalty, and distributions must begin at age 73. Dividends are credited and compounded quarterly, and are tax-deferred until withdrawn. There are no age or income restrictions for contributing, as long as you have earned income from a job.

    For Roth IRA's, contributions must be made by April 15th of the following year for the current tax year and are not tax-deductible, with limits varying by age and income. Dividends are credited and compounded quarterly and can be tax-free upon withdrawal if certain conditions are met. Contributions can be withdrawn anytime without penalty, and earnings can be withdrawn tax-free if the IRA has been open for at least 5 years and one of these conditions applies: reaching age 59½, becoming permanently disabled, or using up to $10,000 for a first-time home purchase.

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