Certificates & IRA’s

 

Certificates

  • $1,000 minimum balance
  • Bigger is better, we’ll pay you more if your certificate is for $100,000 or more and for a term longer than 12 months*
  • Terms from 3-60 months
  • No monthly fees or service charges
  • iSave Youth Certificate available to members up to 18 years old

View our great rates on our 12, 15 and 24 month CD’s below.

Speak with one of our LSR’s today to open an account. Stop by a branch or call us at 800.544.4728.

 

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.

 

Speak with one of our LSR’s today to open an account. Stop by a branch or call us at 800.544.4728.

*For Share Certificates over $100,000 and a term greater than 12 months the APY will increase by .25%.

Share & IRA Certificate Rates

Rates as of: 10/26/2018See Truth in Savings for Details 
Dividend RateAPY1
IRA Accumulator0.05%0.05%
Three month SC & IRA0.15%0.15%
Six month Youth SC0.30%0.30%
Six month SC & IRA 0.30%0.30%
One year SC & IRA
.75%.75%
One year SC & IRA
(new money only)
2.20%2.22%
Fifteen month SC & IRA2.40%2.43%
Eighteen month add-on SC & IRA1.00%1.01%
Two year SC & IRA
(new money only)
2.50%2.53%
Two year SC & IRA1.10%1.11%
Three year SC & IRA 1.25%1.26%
Four year SC & IRA1.30%1.31%
Five year SC & IRA1.40%1.41%
1) APY = Annual Percentage Yield.