IRA CD Special—Earn 2.35% APY

Are you worried about market volatility? Secure your retirement with a guaranteed rate of return on your savings. Individual Retirement Account certificates of deposit (IRA CDs) can provide safety and security in a fluctuating market, and this special offer sweetens the deal with a high annual percentage yield (APY). This is a limited-time offer; act by April 15 and you can earn 2.35% APY with our one- and two-year IRA CDs.

Time is ticking! This type of CD must be opened in branch, so hurry in and secure your savings today.

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BENEFITS OF THIS HIGH-YIELD CERTIFICATE

Guaranteed rate return

GUARANTEED RATE OF RETURN

The markets will rise and fall, but this high-yield certificate of deposit offers a stable 2.35% yield for the full term.

Low minimum deposit

LOW MINIMUM DEPOSIT

Both one- and two-year IRA CD options require a low minimum deposit of $500 to get started.

Simple, no hidden fees

SIMPLE. NO HIDDEN FEES

Unlike other retirement account options, IRA CDs are a simple way to save and there are no hidden fees.

Safe and secure

SAFE AND SECURE

Federally insured by the NCUA for up to $250,000 aggregate per member, your money is safe in an IRA CD.


CERTIFICATE OF DEPOSIT RATES

Account Type Minimum Daily Balance to Earn APY Minimum Balance to Open Account APY
1 Year Certificate Special $500 $500 2.35%
2 Year Certificate Special $500 $500 2.35%

Annual Percentage Yields (APYs) effective as of 2/15/2019 and may change at maturity. Limited-time offer through 4/15/2019. Fees could reduce earnings. Early withdrawal penalties may apply. Seek legal counsel to learn more about tax consequences for IRA certificates.




TYPES OF IRA CDS

Which IRA is right for you? These descriptions will help you understand the basic differences between the certificates, but there is a lot to know about IRAs. Seek advice from your accountant or financial advisor to understand the tax implications of an IRA and how each option may best fit your retirement needs..

Traditional IRA CD

TRADITIONAL IRA CD


Contributions to this IRA are tax deductible and interest earnings are tax-deferred. In other words, you don’t pay taxes until you withdraw funds at retirement.

Roth IRA CD

ROTH IRA CD


With a Roth, your contributions are non-deductible and interest earnings are generally tax-free. As a result, you won’t pay taxes on withdrawals when you retire.

Educational IRA CD

EDUCATIONAL IRA CD


This non-retirement option allows you to save for your child(ren)’s future education. Contributions are taxed and funds grow tax-deferred until withdrawn.


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Because of the various advantages each type of IRA provides, we recommend visiting your local branch and speaking with a Member Service Consultant to learn which type of IRA best serves your needs.







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