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Roth, Traditional and IRA Certificates

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  • Overview
    • Tax-advantaged retirement savings*
    • Competitive rates above standard savings
    • No setup or administrative fees
    • No monthly or annual maintenance fees
    • Penalty may apply for early withdrawal
    • Annual contribution limits apply
    • $25 minimum deposit to open

    Roth IRA Certificates

    The minimum deposit necessary to establish a Roth IRA Certificate is $1,000 for terms of eighteen months In addition, to three years. Balances of $500 have terms of four to seven years. Roth IRAs are available to any member who has income from compensation, with no age restriction.

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    Traditional IRA Certificates

    Traditional IRA Certificates start at $1,000 for terms of eighteen months, to three years, and $500 for terms of four, five or seven years. Above all IRA Certificates are insured by the NCUA®

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    Money Market IRA

    The Money Market IRA is ideal for making regular withdrawals or when making required distributions. This account requires a minimum balance of $1,000 and earns the highest rate with a balance of $25,000 or more.

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  • Rates

    Rates

    Savings Certificates and IRA Certificates Traditional-Roth-Educational

    Rates Effective as of: 09-19-2024
    Term Minimum Balance Dividend/Interest Rate APY
    CD Special 21 Month (renews to 2 year, regular CD at maturity)$500 1.739% 1.750%
    1 Year $500 0.748% 0.75%
    1 Year $25,000 0.798% 0.80%
    1 Year SAVE To WIN $25, Add-ons allowed 0.698% 0.70%
    18 Month $500 0.897% 0.90%
    18 Month $25,000 0.947% 0.95%
    2 Year $500 1.195% 1.20%
    2 Year $25,000 1.244% 1.25%
    3 Year $500 1.343% 1.35%
    3 Year $25,000 1.393% 1.40%
    4 Year $500 1.590% 1.60%
    4 Year $25,000 1.640% 1.65%
    5 Year $500 1.837% 1.85%
    5 Year $25,000 1.887% 1.90%
    Penalty for early withdrawal

    IRA Variable Rate Savings Traditional-Roth-Educational

    Rates Effective as of: 09-19-2024
    Minimum Deposit Dividend/Interest Rate APY
    $100 0.05% 0.05%

    Rates are the Annual Percentage Rate (APR) and Annual Percentage Yield (APY).

    Dividends on share savings, checking & club accounts are based upon available earnings and declared quarterly.

    Certificate rates are fixed for the entire term, but rates offered are subject to change.

    There is a penalty for early withdrawal of principal from certificate accounts.

    The interest rate on the Money Market Plus account is variable and subject to change.

  • FAQs

    Frequently Asked Questions

    An IRA CD works similarly to a regular CD.  Your initial investment earns a fixed interest rate over a set timeframe and renews automatically. The more money you put in, the higher your rate will be which means a bigger return on your investment. The main difference is that unlike a regular CD, an IRA CD offers certain tax advantages that are associated with a traditional or Roth IRA.

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Roth, Traditional and Money Market IRA Certificates

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Disclosures

For more details about IRAs please ask the credit union for a brochure, or visit the Internal Revenue Service and As a result search for Publication 590.  People Driven Credit Union savings are Federally insured to at least $250,000 by the NCUA and backed by the full faith and credit of the United States Government. APR = Annual Percentage Rate. In addition,  APY = Annual Percentage Yield. View our Privacy Policy and after that, read our disclaimer regarding links to other sites.