IRA Certificates

IRA Certificate Overview

Many financial planners estimate you will need 70-80 percent of your current income to maintain your lifestyle during retirement. Social Security will only provide a fraction of that income. Now more than ever, personal savings are your key to a comfortable retirement nest egg. Establishing an Individual Retirement Account (IRA) can provide the additional savings you’ll need for the future.

IRA Certificate Features
  • No annual maintenance fees
  • Insured up to $250,000 by the NCUA
  • Earn certificate rate dividends
  • Stability of a fixed rate of return
  • Convenient account access
IRA Certificates vs. Investment IRAs
SchoolsFirst FCU IRA Certificates offer a fixed rate for a specified term, and are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), an arm of the National Credit Union Administration (NCUA), up to $250,000. Your credit union also offers additional IRA investment options, which are not federally insured.

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Federally insured by NCUA

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