An IRA Share Certificate is an Individual Retirement Account that combines the tax advantages1 of a Traditional IRA or Roth IRA with the security of a share certificate (which is the same as a bank CD).

While IRAs typically invests in stocks, bonds and mutual funds, IRA Share Certificate invests in Credit Union share certificates (like bank certificates of deposit). They're a safe place for your retirement because your dividend rate won't fluctuate with the market.

How it works

  • Make a minimum opening deposit of $500.
  • Choose a term from 30 days up to 60 months.
  • Contribute up to $7,000 each tax year ($8,000 if you're over age 50) at any time until the tax deadline.
  • Enjoy tax-deferred growth.
  • Rest assured, your savings are safe because they're federally insured by NCUA up to $250,000.
  • Will automatically renew for the same term on the maturity date unless you otherwise specify.

How to qualify

  • Anyone with earned income can make contributions.
  • Tax-deductibility is subject to income limitations if you already participate in an employer-sponsored plan.
  • If your adjusted gross income is less than $161,000 if single, or $240,000 if married, consider a Roth IRA or Traditional IRA.


Call (800) 462-8328, ext. 4300

Monday through Thursday, 8 a.m. – 5:30 p.m.
Friday, 8 a.m. – 6 p.m.
Saturday, 9 a.m. – 3 p.m.



  1. Please consult a qualified tax professional for tax advice on your specific circumstances.

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