Certificates & IRA’s

 

Certificates

  • $1,000 minimum balance
  • Terms from 3-60 months
  • No monthly fees or service charges
  • iSave Youth Certificate available to members up to 18 years old

 

Open an Account today

 

IRA Accounts

  • We offer Roth and Traditional IRA’s to help you reach your retirement or savings goals. Consult with your tax advisor to determine which type of IRA is right for you.

    • 3, 6, 12, 18, 24, 36, 48 or 60 month term
    • New money, rollover or transfer from a qualified plan
    • IRA Accumulator Account available

     

    Traditional

    Save for retirement in the future and you may be able to trim your income taxes now.

    • Contributions may be income tax deductible.
      (Consult your tax advisor)
    • Pay tax only when you withdraw money with qualified withdrawals

    You can contribute when:

    • You received taxable income during the year, and
    • You won’t reach age 70 ½ by year-end

     

     Roth

    More flexible IRA and save more on taxes over time.

    • Contributions may be income tax deductible.
      (Consult your tax advisor)
    • Withdrawals are tax-free in retirement

    You can contribute when:

    • You received taxable income during the year, and
    • You file taxes jointly, with and adjusted gross income below $188k, or
    • You file taxes individually, with an adjusted gross income below $127k

    Depending on your income, your contribution limit may vary.

 

Open an Account today

 

Share & IRA Certificate Rates

Rates as of: 7/1/2016Truth in Savings Disclosure 
Dividend RateAPY1
IRA Accumulator0.05%0.05%
Three month SC & IRA0.15%0.15%
Six month Youth SC0.20%0.20%
Six month SC & IRA (less than $100,000)0.20%0.20%
Six month SC & IRA ($100,000 or greater)0.45%0.45%
One year SC & IRA0.30%0.30%
Fifteen month SC & IRA1.00%1.01%
Eighteen month add-on SC & IRA0.35%0.35%
Two year SC & IRA0.45%0.45%
Three year SC & IRA (less than $100,000)1.00%1.01%
Three year SC & IRA ($100,000 or greater)1.25%1.26%
Four year SC & IRA1.20%1.21%
Five year SC & IRA1.35%1.36%
1) APY = Annual Percentage Yield.