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IRA Certificates

Lock it down and let it grow.

Start saving and earning monthly dividends today with Share and IRA Certificates from Arrowhead. Our flexible terms and no annual fees mean you can ladder your investments however you like.

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IRA Certificates
Helpful Tips
Rates & Fees
FAQ & Links


  • 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.

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: May 21, 2024
Minimum Deposit12 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
Annual Maintenance Fee $0
Withdrawal made when account has not matured Equals to 90-180 days of dividends

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.

Related Links
Share Certificates
Arrowhead Savings
Money Market


*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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