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Term Share Certificate IRA

Growth you can count on

Members with long-term investment horizons often use IRA Term Share Certificates to earn a higher yield than regular savings accounts.

Start saving for the future

Individual Retirement Account (IRA) Term Share Certificates are investments used for retirement planning. With terms as short as 3 months and as long as 5 years, they’re a great way to set money aside for both short-term and long-term future needs. You can contribute pre-tax or after-tax dollars. Generally, funds in a Traditional IRA are not taxed until they are distributed.  

Save more + earn more, risk-free

The tiered dividend rates on our IRA Term Share Certificates help you earn greater returns based on how much you’re able to save and how long you’re willing to set it aside. They also offer a fixed dividend rate, so you can enjoy predictable growth without having to worry about market fluctuations or risk. To learn more or set up an IRA Term Share Certificate, please visit any Addition Financial branch and speak with a member service representative. Addition Financial recommends you speak with a financial advisor when making any decision regarding investments and your retirement.

  • Tiered, fixed dividend rates
  • $1,000 minimum to open certificate
  • Flexible terms from three months to five years
  • Dividends compounded daily and credited monthly
  • Funds available at maturity*
  • No monthly service fees
  • Statements sent quarterly

Why Addition Financial?

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Get Stuff Done

Powerful anytime account management tools.

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Money Smarts

School yourself with free financial know-how.

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Earn More + Pay Less

Competitive rates on deposits, loans and credit cards.

Additional Features and Benefits

  • Discount tickets, goods and services
  • Financial assistance and education
  • Friendly member service
  • Online and mobile access
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 It’s never too early to start saving for retirement

The best time to start setting money aside for retirement is when you feel like you’re too young to be even thinking about retirement. The sooner you begin saving, the more your interest will add up. 
  1. 1
    Review eligibility

    Anyone who lives, works, worships, volunteers or attends school in 22 select counties may join. View our "Become a Member" page for full eligibility.

  2. 2
    Complete account application

    When you’re ready, complete the online application or visit your branch to apply in person.

  3. 3
    Open your account

    Start saving.


Get your learn on

Think of us as your personal financial guru, partner and coach for wherever life’s journey takes you. To help you live your best life, we offer money management tools, financial literacy seminars and expert advice that’s easy to understand. Start making every moment (and every penny) count.

*Substantial penalty for early withdrawal.

Consult your tax professional for more information about Term Share Certificate IRAs.

Traditional and Roth IRAs (Individual Retirement Accounts) are insured to $250,000 by the NCUA.

Not including the 10 Month Fixed-Maturity Term Share Certificate.