IRA Certificates & Rates | Arrowhead Credit Union

Features

Open with as little as $1,000
No annual maintenance fee
Terms available from 12-60 months
Competitive dividend rates
Your rate is fixed and guaranteed
Get the security of a certificate with the tax advantages of an IRA
Ability to transfer funds from other plans
Federally insured up to $250,000
To open an IRA Certificate, members please call us at (800) 743 - 7228. Not yet a member? Please visit a branch to open your account.

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*APY=Annual Percentage Yield. Applies to IRA Certificates only. Certificates are subject to an early withdrawal fee. Full terms and conditions available in a branch. $1,000 minimum deposit required. Programs and rates are subject to change daily without notice. Does not apply to business accounts.

Helpful Tips

Each year on your maturity date, you have 10 days to roll your funds over into a different IRA Certificate.
Compare our IRA Certificate dividend rates to that of Traditional and Roth rates to see if you have greater earning potential with a certificate.
Transfer funds from other plans into an IRA Certificate.
Don’t forget your IRA Certificate may be tax deductible, consult your tax advisor.

Rates & Fees

IRA Certificate
Effective Date: February 4, 2023
Minimum Deposit	12 Month APY*	24 Month APY*	36 Month APY*	48 Month APY*	60 Month APY*
$1,000	0.35%	0.50%	0.65%	1.00%	1.35%
$25,000	0.35%	0.50%	0.65%	1.00%	1.35%
$100,000	0.40%	0.55%	0.70%	1.05%	1.40%

IRA Certificate Fees
	Fee
Annual Maintenance Fee	$0
Withdrawal made when account has not matured	Equals to 90-180 days of dividends

*Annual Percentage Yields (APY). Certificates subject to early withdrawal fee. Programs and rates are subject to change daily without notice.This is not a complete disclosure. Terms and conditions available at a branch. $1,000 minimum deposit for IRA Certificate. Not available for business accounts.

FAQ & Links

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.

*APY=Annual Percentage Yield. Applies to IRA Certificates only. Certificates subject to early withdrawal fee. Full terms and conditions available in a branch. $1,000 minimum deposit required. Programs and rates are subject to change daily without notice. Does not apply to business accounts.

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IRA Certificates

Lock it down and let it grow.

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