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  • Potential tax-deferred earnings (subject to the IRS 10% early withdrawal penalty if withdrawn before age 59 1/2) for the maximum retirement benefit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

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**

 

7.74%APR