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13-Month Bump-Up Traditional IRA Share Certificate

If rates go up, you win.

Turn a good rate into a great rate with a 13-Month Bump-Up Traditional IRA Share Certificate. There is no risk of loss on 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 month's dividends; however, there is no risk of loss to your principal. Required minimum distributions must begin at age 70 1/2. Required minimum distributions are not subject to early withdrawal penalties. and you can take advantage of a one-time option to bump-up your interest rate during your term.Account 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.
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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 70 1/2 years young or younger for regular contributions

    Have qualified earned income

    Have at least $500 to save

You'll Benefit From

Flexibility

  • Funds can be withdrawn if needed; penalties may applyFor all certificate accounts, if you withdraw any portion of your principal before maturity, you may be charged a penalty of up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 month's dividends; however, there is no risk of loss to your principal. Required minimum distributions must begin at age 70 1/2. Required minimum distributions are not subject to early withdrawal penalties.
  • Catch-up contributions for those 50 or older
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Easy account management

  • Automatically rolls over at maturity
  • 10-day grace period at maturity if you want to make changes
  • View balances anytime 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 month's dividends; however, there is no risk of loss to your principal. Required minimum distributions must begin at age 70 1/2. Required minimum distributions are not subject to early withdrawal penalties.
  • Deposits are NCUA insured up to at least $250,000

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