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13 - Month Bump-up Roth IRA Share Certificate

If rates go up, you win.

Everyone wants to save for retirement but with market fluctuations, it's hard to tell when to invest, and when to wait. But with a 13-Month Bump-Up Roth IRA Share Certificate, you can take advantage of a one-time option to bump-upAccount owner(s) must initiate the rate bump. One bump per current term and multiple additional deposits per term allowed, up to the original amount of the certificate at the start of the current term. your interest rate during your term. You'll also benefit from tax-deferred earningsConsult your tax advisor. and the ability to withdraw funds before the maturity dateFor all certificate accounts, if you withdraw any portion of your principal before maturity, you may be charged a penalty of up to six months’ dividends; however, there is no risk of loss to your principal..
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  • A great choice if you:
  • Like flexibility of bumping up your rate if rates go upAccount owner(s) must initiate the rate bump. One bump per current term and multiple additional deposits per term allowed, up to the original amount of the certificate at the start of the current term.

    Are of any age

    Have qualified earned income within Modified Adjusted Gross Income (MAGI)limits

    Have at least $500 to save

You'll Benefit From

More money in your pocket

  • No monthly fees
  • Earnings are tax deferredConsult your tax advisor.
  • Qualified earnings can be withdrawn tax freeConsult your tax advisor.
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Easy account management

  • Automatically rolls over at maturity
  • 10-day grace period at maturity if you want to make changes
  • No required minimum distributions
  • View balances anytime, anywhere with our free mobile app

Peace-of-mind

  • No risk of loss to your principalFor all certificate accounts, if you withdraw any portion of your principal before maturity, you may be charged a penalty of up to six months’ dividends; however, there is no risk of loss to your principal.
  • Deposits are NCUA insured up to $250,000
  • Funds can be withdrawn if needed; penalties may applyFor all certificate accounts, if you withdraw any portion of your principal before maturity, you may be charged a penalty of up to six months’ dividends; however, there is no risk of loss to your principal.

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