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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 add-on and interest rate bump-up options, provide flexibility and higher earnings. Choose any term from 180 to 1,825 days. SMCU IRA certificates require $1,000 minimum to open. Dividends are compounded daily and paid monthly, quarterly or at maturity, depending upon the term.


Take a look at some of the benefits of IRA certificates:

  • Potential tax-deferred earnings (subject to the IRS 10% early withdrawal penalty if withdrawn before age 59½) for the maximum retirement benefit.
  • Unlimited term options for retirement funds flexibility.
  • $1,000 low minimum deposit to open so you can start earning higher dividends sooner.

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The top Q&As about IRAs.

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