- 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
*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.
|Effective Date: April 21, 2018|
|Minimum Deposit||12 Month APY*||24 Month APY*||36 Month APY*||48 Month APY*||60 Month APY*|
|IRA Certificate Fees|
|Annual Maintenance Fee
|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.
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.