Build a Brighter Future

IRA Certificate Accounts

Looking for a secure way to save for your golden years? An IRA Certificate Account from AFFCU can give you the best of both worlds.


Stop by an AFFCU Financial Center or call us to apply open an IRA Certificate Account.


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About IRA Certificate Accounts

An IRA Certificate Account is a great savings tool that allows you to earn higher dividends like you would with a traditional certificate account and offers tax advantages similar to an IRA all rolled into one. Start investing in your future with as little as $1,000 and allow you to grow your money with terms from one to seven years.

    IRA Certificate Account Features

  • $1,000 minimum opening balance1

  • Competitive rates

  • Guaranteed return

  • Tax deferred

  • Insured by NCUA

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    IRA Certificate Accounts Include

    Competitive Rates

    Insured by NCUA

    No Monthly Fee

    Earns Dividends

    Stop by an AFFCU Financial Center or call us to open an IRA Certificate Account.

    IRA Certificate Account Rates

    Rates effective as of:

    Term Dividend Rates APY*
    1 Year 4.165% 4.25%
    18 Months 4.695% 4.80%
    2 Years 4.550% 4.65%
    3 Years 3.925% 4.00%
    5 Years 3.442% 3.50%
    7 Years 3.247% 3.30%

    * 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 principal in the account each day. Rates subject to change at any time without notice.

    1 Minimum $1,000 opening deposit required. APY is based on the assumption that dividends will remain on deposit in the IRA Certificate Account until maturity. 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.