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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 principal1 and you can take advantage of a one-time option to bump-up your interest rate during your term.2

A great choice if you:

Like flexibility of bumping up your rate if rates go up 2

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:


  • Funds can be withdrawn if needed; penalties may apply1
  • Catch-up contributions for those 50 or older

    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


    • No risk of loss to your principal1
    • Deposits are NCUA insured up to at least $250,000



    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 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.

    2 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.