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Savings Accounts
Options
Share Savings
Holiday Club
Certificate Builder
Money Market
Share Certificates
IRAs
College Saver
Certificate
Deposit Insurance
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Two Ways to Invest Our Traditional and Roth IRAs are available as IRA Savings or IRA Certificates.
Here's an overview of both options: |
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IRA Certificate |
IRA Savings |
| What is it? |
A guaranteed fixed rate for a specific term. After your certificate matures, you can move it or let it automatically renew with a new fixed rate. |
A savings account that earns a variable rate. You aren't locked into any time frame, so you can enjoy more flexibility. |
| Who is it for? |
Members who want the peace of mind of a steady return on their money. |
Members with limited starting funds, or anyone who wants the freedom to move their money around. |
| Contribution deadline |
IRAs must be opened by April 15 the prior tax year, for previous tax year benefits. |
| Available in? |
Traditional and Roth IRAs |
Traditional and Roth IRAs
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| Account minimum |
$1,000 |
$5 |
| What are the terms? |
Terms from 12 to 60 months |
No set terms |
| Is it insured? |
Yes, by the National Credit Union Administration (NCUA)1 |
Yes, by the National Credit Union Administration (NCUA)1 |
Have an IRA question?
Call (800) 541-2546
1Retirement account deposits, including Roth and Traditional IRAs, are insured by the NCUA up to $250,000 per depositor.
Learn more about deposit insurance.
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