Individual Retirement Accounts

IRA Certificates

IRA certificates are a high-yield means of earning the maximum returns on your retirement funds. Fixed dividend rates, Roth and Traditional certificates, and jumbo options, provide flexibility and higher earnings. Choose from a variety of term lengths.

  • $1,000 minimum to open
  • Dividends are compounded daily and paid monthly, quarterly or at maturity, depending upon the term
  • Potential tax-deferred earnings (subject to the IRS 10% early withdrawal penalty if withdrawn before age 59 1/2) for the maximum retirement benefit

Unlimited term options for retirement funds flexibility

How much will I need to save for retirement?

IRA Savings Accounts

IRA savings accounts are safe, affordable, convenient savings accounts that help you save 
money and manage your cash. Earnings may even be tax deferred. Contribute whenever you 
like, or by automatic direct deposit, up to the maximum allowed per year. Dividends are 
computed daily and paid quarterly.

Automatic Contributions

It's easy to set up a regular contribution from your paycheck or SMCU account directly into your 
IRA. Add a little or a lot each month and watch your savings grow effortlessly.

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DISCLOSURES

**MAGI - Modified Adjusted Gross Income. Contribution and deductibility limits change frequently. Consult your tax professional regarding your individual circumstances.


***Lifetime limit for exemption on first-time home purchase is $10,000.


Not intended as tax advice. Please consult a tax professional regarding your unique situation.


Rates can change without notice. Rates on savings accounts may change after account opening. Account fees may reduce earning on the account.


Account Disclosures

EARN 1.51% APY1 ON A 33-MONTH CD WITH A ONE-TIME BUMP

EARN 1.51% APY1 ON A 33-MONTH CD WITH A ONE-TIME BUMP

For a limited time only, you can secure a great rate on a 33-month share certificate account with complete piece of mind knowing that at any time during your term you can elect to "bump" your CD rate up to the current rate if it rises in the future. Take advantage of this great savings tool with as little as a $1,000 minimum deposit.

If you are ready to open your CD account and aren't yet a member, apply to join SMCU by clicking the button below, by calling us at 206-398-5500, or by stopping by a branch. Your CD can be opened the same day as your membership is approved. SMCU membership is open to anyone who lives or works in the state of Washington or any person related to a current member by blood, marriage, domestic partnership, or adoption.

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  • See Promotion Details

    APY is Annual Percentage Yield. Rate is effective as of 06/27/2017. APY, Dividend Rates, and Terms subject to change without notice. Account fees may reduce earnings on the account. $5.00 minimum initial deposit to establish membership. $1,000 minimum deposit required to open certificate account. Dividend rate is subject to change at renewal, early withdrawal penalties may apply, including loss of interest earned. See the Shared Certificate Rates Disclosure. Please contact SMCU at 206-398-5500 or 800-334-2489 for further details. See the complete rate table at smcu.com/rates.

Rates

 

Auto Loans as low as*

 

1.49%APR

Certificates as high as

 

2.02%APY

Checking as high as*

 

6.14%APY

Credit Cards as low as**

 

7.99%APR