You may be able to earn
more money by taking out
an IRA Certificate with higher
paid dividends, plus you can
roll it over into a new
Certificate once it matures

for greater earning potential.


Why is an IRA Certificate different than a Traditional or Roth IRA?

An IRA Certificate opens for 10 days on its maturity date, giving you the flexibility of rolling your funds into a different certificate that may have higher dividends or a more convenient term.

IRA Certificate dividend rates can be higher than that of a Traditional or Roth IRA.

When can I withdraw from my IRA Certificate?

You are able to make withdrawals up to 10 days after the maturity date of your IRA Certificate.

Withdrawals made before age 59 1/2 will incur federal and state tax penalties.

Beginning at age 70 1/2, you are required to withdraw a minimum within 10 days of the maturity date. This is known as a "required minimum distribution." You can learn more on the IRS website.

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