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IRA Certificate of Deposit
The IRA certificates of deposit pay a higher interest rate and allows you to pick the best term for yourself. We offer 12, 24, 36, and 48 month terms.
Costs and Considerations
Minimum deposit to open IRA CD is $1000
Early withdrawal fees:
90 days interest will be deducted
IRS penalty for early withdrawal on distributions before age 59 ½ unless account holder uses funds for: first time home purchase (10,000) or education. Refer questions to members tax consultant
Features and Benefits
Higher interest rates than standard CDs and savings accounts
A 10-day grace period is granted after a CD matures. It allows you to come in to renew, cash-out, or transfer funds.
