-
Overview
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: Visit An AFFCU Branch or Call Us Toll-Free at 800.227.5328.
- Step 2: Request an IRA Share Certificate
- Step 3: Watch Your Money Grow!
“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 2017FREE IRA Interactive Lesson
It’s never too early to start saving for retirement, and there are lots of great resources available to help you achieve your financial goals. One option to consider is an Individual Retirement Account, or IRA.
GET STARTEDFREE Mindful Living Interactive Lesson
Feeling stressed out? You’re not alone. In our daily lives, we experience many ups and downs. Don’t let stress get the best of you.
GET STARTEDFREE Savings Interactive Lesson
Understanding the various types of savings accounts available to you and the way these accounts earn interest is one great way to increase savings even further. Let’s explore how you can make savings work for you.
GET STARTED -
Rates
Type IRA Share Certificate Rates
Rates Effective as of: 08-05-2021Term Minimum Balance: $1,000.00 - $99,999.99 $100,000 & Greater 1 Year Dividend Rates 0.498% 0.498% APY 0.50% 0.50% 2 Years Dividend Rates 0.548% 0.548% APY 0.55% 0.55% 3 Years Dividend Rates 0.598% 0.598% APY 0.60% 0.60% 5 Years Dividend Rates 0.697% 0.697% APY 0.70% 0.70% 7 Years Dividend Rates 0.895% 0.895% APY 0.90% 0.90% -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.
- Calculator
IRA Share Certificates
Today's Savings turn into Tomorrow's Rewards
Let an AFFCU IRA Share Certificate Help Maximize your Tax Benefits!
Contact UsHow 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
- Awesome! We have low rates and long terms for all kinds of exciting vehicles, including Boats, RVs, and Motorcycles.
- 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.
- Sounds good! We have low rates available for both new and used
- Something adventurous
- Cool! Are you looking for a regular car, or something a little more adventurous?
- 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.
- Lump sum
- Sounds good! Are you more interested in a lump sum or a line of credit?
- I’m mostly interested in a credit card
- Sounds good! Be sure to check out our Platinum Credit Card. It’s one of the best deals around, and includes plentiful rewards.
- A home
- 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
- Sounds good. You can enroll in Online Banking right here. You’ll need your social security number and AFFCU member number.
- No
- Great. To access your account, simply click “Login” in the upper right hand corner of the page.
- Yes
- Ok! Is this is your first time using Online Banking?
- On my mobile device
- Great! First make sure you’re enrolled in online banking. Then, download our free app for iPhone or Android.
- Online
- Okay, how would you like to access your accounts?
- 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
- Perfect, we offer discounts on auto, home and life insurance through our partner, Trustage.
- Accessing my accounts
- What would you like to save for?
- The holidays
- Nice! We think you’ll love our Christmas Club account.
- 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.
- Sure
- Nice! Are you okay with leaving your money untouched for a while?
- 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.
- Yes, quite a bit
- Do you have some money saved up already?
- I’d prefer just a basic savings account
- Ok! Our Regular Savings sounds just right for you. It also secures your AFFCU membership.
- The holidays