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Term Certificates & IRAs

Term Certificates

Certificates earn dividends at higher rates than savings accounts, and have pre-determined maturity dates.

Term Certificate Requirements:

  • Minimum purchase amounts of $500
  • No Maximum purchase amount
  • 3 month to 5 year terms available

IRAs

(Traditional IRA)

 Potentially tax-deferred retirement plans; you don’t pay taxes on your contributions until you withdraw the funds. Contributions can be made as long as you have *earned income.

Roth IRA

You pay taxes now and withdraw the funds tax-free when you retire. Contributions can be made as long as you have *earned income.

IRA & Roth IRA Requirements:

  • Minimum $250 to open
  • 12 month to 5 year terms available

* See irs.gov for more details.

Top Tier Federal Credit Union 2025