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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-up3 your interest rate during your term. You'll also benefit from tax-deferred earnings2 and the ability to withdraw funds before the maturity date1.

A great choice if you:

Like flexibility of bumping up your rate and balance if rates go up3

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 deferred2
  • Qualified earnings can be withdrawn tax free2

      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


      • No risk of loss to your principal1
      • Deposits are NCUA insured up to $250,000
      • Funds can be withdrawn if needed; penalties may apply1



      Are my IRA funds insured?


      Can I open an IRA with someone else?


      Learn more about IRA's

      1 For 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.

      2 Consult your tax advisor.

      3 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.