Open, Transfer, or Rollover into a Certificate or Savings IRA.
12-Month Certificate
LIMITED TIME ONLY
Up to 4.5% APY*
*APY = Annual Percentage Yield. 4.50% APY applies when the certificate account owner is the primary owner of an Eligible Checking Account;** otherwise 4.00% APY applies. Minimum balance to earn APY is $500. Fees may reduce earning. Penalties may be imposed for early withdrawal. Certificate will automatically renew as a Regular 12-month IRA Certificate. Membership and eligibility requirements apply. For information on applicable fees and terms, visit any branch, mycfcu.com/IRA, or call 800-428-8340. Available through 4/15/25. Consult a Tax Professional for IRS limitations. Federally insured.
Eligible Checking Accounts**
- Simply Checking
- Student Checking
- Transformation Checking
- High Yield Checking
- New Start Checking
Traditional and Roth IRAs
Both Traditional and Roth IRAs are available in Certificate and Savings options. Depending on your choice, you may be able to take a tax deduction for Traditional IRA contributions or withdraw the earnings from a Roth IRA tax-free.
Learn More About Traditional and Roth IRAs
Rollovers & Transfers
Whether you are changing jobs, nearing retirement, or just want to consolidate multiple retirement accounts, we can help you select the account that fits your needs.
Distributions
*Always consult with a tax advisor regarding your specific financial situations.