Get a bump up if rates go up.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.

When market rates go up, your interest rate can too.

Earn up to 0.30% APY .

13-Month Bump-Up Roth IRA Share Certificates

If rates go up, so do your earnings.

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-free earningsPlease consult with 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..

NCUA insured to $250,000.

 

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

Reap the benefits.

Checkbox More money in your pocket

  • No monthly fees
  • Earnings grow tax-freePlease consult with your tax advisor.
  • Qualified earnings can be withdrawn tax freePlease consult with your tax advisor.

Checkbox An easy way to save

  • 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

Checkbox 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  • Funds can be withdrawn if needed; penalties may applyFor all certificate accounts, if you withdraw any portion of your principal before maturity, you may be charged a penalty of up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.