Certificates & IRAs

Competitive dividend rates make Credit Union Certificates a good, solid, long-term investment. These certificates earn dividends at a higher rate than that paid on savings accounts.

Earn dividends at a higher rate than savings accounts with flexible terms from 3 months up to 60 months. Certificates are compounded monthly and require a $500 minimum deposit.

Terms of 3 to 60 months
Withdrawal dividends at any time without penalty
$500 minimum balance requirement
Certificates can be used as collateral for loans

The minimum to open a Certificate is $500. Dividends are compounded and credited monthly. There is a penalty for early withdrawal of principal before the maturity date. The penalty amount is based on the term of your account: terms of 3-12 months = 60 days’ dividends; terms greater than 12 months = 120 days’ dividends, whether earned or not. Certain exceptions apply.

Rates

TRADITIONAL IRA

The Traditional IRA allows you to contribute up to $7,500 a year if you are under the age of 50 for 2026 and $7,000 for 2025. Contributions cannot exceed annual compensation. Owners aged 50 or older, are allowed a “catch up” contribution up to $8,600 for 2026 and $8,000 for 2025.

TRADITIONAL IRA BENEFITS:

Offers tax-deferred earning
Possibility for tax-deductible contributions
All earnings are tax free until they are withdrawn
Begin receiving your disbursements as early as age 59 1⁄2 or delay them until 73.

Rates

ROTH IRA

The Roth IRA allows you to contribute up to $7,500 a year for 2026 and $7,000 for 2025, while earning generous dividends while you build your balance and invest in your future. Owners aged 50 or older, are allowed a “catch up” contribution up to $8,600 for 2026 and $8,000 for 2025.

ROTH IRA BENEFITS:

Contributions are not tax deductible
Contributions can be withdrawn at any time, tax & penalty free
Withdrawal of earnings will be a qualified distribution, not subject to taxation, if:
- 5 Year test has been met
- Other qualified reason
  - Age 59 1/2
  - Death
  - Disability
  - 1st time home purchase ($10,000 max)
Never required to withdrawal

Rates