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.
Unlimited term options for retirement funds flexibility
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.
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.
**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.
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.