Skip nav to main content.
Mobile App
Find it for free on the App Store.
Get The App
Mobile App
Find it for free on the App Store.
Get The App
main-logo

IRA Share Certificates

Today's Savings turn into Tomorrow's Rewards

Let an AFFCU IRA Share Certificate Help Maximize your Tax Benefits!

Learn More
  • It's never too soon to start saving for the future

    An IRA Share Certificate from AFFCU can help you maximize your tax benefits. It’s a great way to get all the benefits of an IRA with added security, flexibility and higher dividend rates. For those who have an old 401(k) retirement account still lingering from a previous employer, here’s a great solution for you!

     

    With a variety of certificate options and terms to choose from, you can be sure to find the certificate that best fits your financial budget. You can open with as little as $1,000, terms are available from 1 to 7 years, and you can earn tax-deferred or tax-exempt interest.

     

     

    *APY = Annual Percentage Yield are of the effective date and subject to change at any time without notice. $1,000 opening balance required. The APY is based on the assumption that dividends will remain on deposit in the share certificate until maturity. Dividends compounded and credited monthly. Daily balance computation method. This method applies a daily periodic rate to the principle in the account each day. Penalty will be imposed for early withdrawal. Fees could reduce earnings on the account. You should seek the advice of your own tax advisor with respect to your particular circumstances. Membership eligibility required.

    • Step 1: Open Your IRA Account Online or In-Person
    • Step 2: Request an IRA Share Certificate
    • Step 3: Watch Your Money Grow! Learn More

    “I came into to apply for a car loan and got it. I’m very excited for the opportunity to drive something new. Thanks AFFCU!”

    Jordan Olson, member since 2017
    Get started

    Open an IRA online or in person at one of our branches

    Call Today

    Savings Interactive Lesson

    Learn how to save so you can contribute more to your share certificate through the AFFCU Financial Education Center. Learn about setting savings goals and how to start saving.

    GET STARTED



  • Type IRA Share Certificate Rates

    Rates Effective as of: 09-20-2020
    Term Minimum Balance: $1,000 $2,500 $12,500 $25,000 $100,000
    1 Year Dividend Rates 0.747% 0.747% 0.747% 0.747% 0.747%
    APY 0.75% 0.75% 0.75% 0.75% 0.75%
    2 Years Dividend Rates 0.797% 0.797% 0.797% 0.797% 0.797%
    APY 0.80% 0.80% 0.80% 0.80% 0.80%
    3 Years Dividend Rates 0.847% 0.847% 0.847% 0.847% 0.847%
    APY 0.85% 0.85% 0.85% 0.85% 0.85%
    5 Years Dividend Rates N/A 0.946% 0.946% 0.946% 0.946%
    APY 0.95% 0.95% 0.95% 0.95%
    7 Years Dividend Rates N/A 1.144% 1.144% 1.144% 1.144%
    APY 1.15% 1.15% 1.15% 1.15%

    -The preceding rates are of the effective date and subject to change at any time without notice. For updated information, inquire at any branch office or contact 210.673.5610 or 800.227.5328.

    - APY = Annual Percentage Yield

    - Dividends Compounded: Monthly. Dividends Credited: Monthly. Balance Computation Method: Dividends are calculated using the daily balance method. This method applies a daily periodic rate to the principle in the account each day. Fees: Penalty will be imposed for early withdrawal. Fees could reduce earnings on the account. Limitations: Minimum $1,000 opening balance is required. You should seek the advice of your own tax advisor with respect to your particular circumstances. Membership eligibility required.



  • Investment

    Roth IRA Calculator

    Retirement Planner Calculator

    Traditional IRA Calculator

    Annual Rate of Return Calculator

How can we help you succeed?

  • What would you like to borrow for?
    • A home
      • Sounds great. We offer Mortgage Loans at great prices, as well as refinancing options.
    • A vehicle
      • Cool! Are you looking for a regular car, or something a little more adventurous?
        • Something adventurous
        • A regular car is fine with me
          • Sounds good! We have low rates available for both new and used
            Auto Loans. We can also Refinance your current loan with another institution.
    • An education
      • Right on! We have Student Loans available through our trusted partner, Sallie Mae.
    • Something else
      • Sounds good! Are you more interested in a lump sum or a line of credit?
        • Lump sum
          • Terrific! We offer Personal Loans for any need, including weddings, vacations, and debt consolidation.
        • Line of credit
          • Great! We think you’ll love our Redi-Credit option. It’s a flexible line of credit, where you’ll only pay interest on what you spend.
    • I’m mostly interested in a credit card
  • What would you like help with?
    • Accessing my accounts
      • Okay, how would you like to access your accounts?
        • Online
          • Ok! Is this is your first time using Online Banking?
            • Yes
            • No
              • Great. To access your account, simply click “Login” in the upper right hand corner of the page.
        • On my mobile device
    • Opening a checking account
      • Great! We have several options available, so head over to our Compare Checking Accounts page to figure out which is right for you.
    • Signing up for eStatements
      • Cool! If you are already signed up for and using our online banking service, all you need to do is click on the eStatements tab (in the blue menu bar) to start enrolling.
    • Running my small business
      • Good for you! Our partner Newtek offers a variety of services to help you manage your small business, including payrolls services, payment processing, and web design.
    • Getting insurance
  • What would you like to save for?
    • The holidays
    • I’d like to open a savings account for my child
      • Great idea! We have several Youth Savings accounts available, depending on your child’s age.
    • Something else – and I’d like to earn a good interest rate
      • Do you have some money saved up already?
        • Yes, quite a bit
          • Nice! Are you okay with leaving your money untouched for a while?
            • Sure
              • Great! We think you might like one of our Share Certificates. You agree to leave your money untouched for a while in exchange for a higher interest rate.
            • I’d prefer to make withdrawals when I need to.
              • Sounds good. Check out our Elite Checking account or Money Market account. These accounts are a little more flexible, but still get you a higher rate.
        • Not much
          • No worries. Once you open a Regular Savings account, you can open secondary accounts for whatever you need, including college, rainy day funds and more.
    • I’d prefer just a basic savings account
      • Ok! Our Regular Savings sounds just right for you. It also secures your AFFCU membership.