IRA Certificates
Secure your retirement future with competitive rates and guaranteed returns.
Call Us to Open
Steady retirement growth with exceptional rates and NCUA protection for every member.
F&A's IRA Certificates provide a safe, low-risk way to save for retirement while enjoying the tax advantages of an IRA. Your principal is protected, your rate is guaranteed, and your retirement savings compound steadily. Choose a term that serves your needs, and watch your savings grow with monthly dividends from an initial $1,000 deposit, plus automatic renewal and no monthly fees.
Features:
- Guaranteed returns with a rate that’s locked in and protected
- Flexible terms from 6 months to 5 years
- Hassle-free growth with automatic renewals
Our IRA Certificates are available as Traditional IRAs, Roth IRAs, or SEP IRAs. Call our Member Contact Center at (800) 222-1226 or stop by one of our branch locations to discuss your options.
IRA Certificates
Lock in today's rates while building tax-advantaged retirement savings that grow predictably over time with an IRA Certificate. Minimum deposit of $1,000.
APY{{apy_certificates}} as high as
4.50%
Dividend rate{{cert_dividend}} as high as
4.40%
Minimum to earn
$1,000.00
Minimum to open
$1,000.00
Monthly fee
$0.00
Early withdrawal penalty
Yes
Auto renewal available
Yes
Federally insured balances up to
$250,000.00
Calculate Your Earnings
FAQs
What happens at the end of the IRA Certificate’s term?
Once the IRA Certificate has reached maturity (finished its term), you can elect to either:
- Renew at the same term with the current rate option.
- Invest in a new F&A IRA Certificate with a new term.
- Transfer your money to an F&A IRA Savings Account.
Can I withdraw my money early from an IRA Certificate?
If you withdraw funds from the IRA Certificate before it has reached maturity and you do not meet certain requirements, you will incur a penalty.
What is the difference between an IRA Certificate and a IRA Savings Account?
An IRA Certificate offers a fixed rate and term. Your funds earn a guaranteed return but are locked in until the term ends. A IRA Savings Account works like a standard Savings Account: Your money earns dividends while staying accessible for retirement investment changes.
Explore More
Financial Coaching
Get free, personalized guidance on budgeting, saving, and debt management strategies with F&A's certified Financial Coaches. In personalized sessions, they’ll help you build better money habits to achieve your financial goals.
IRA Savings Accounts
Plan for tomorrow with tax-advantaged retirement savings and dependable growth. Build your retirement fund with flexible contributions and competitive returns that compound over time. Choose from Traditional IRA, Roth IRA, or SEP IRA Savings Account options.
Financial Education
Access financial courses on topics like investing, retirement, and budgeting through videos, articles, calculators, courses, and worksheets. These tools can help you feel confident about your financial future.