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?
Get Stuff Done
Powerful anytime account management tools.
School yourself with free financial know-how.
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
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.
Anyone who lives, works, worships, volunteers or attends school in 22 select counties may join. View our "Become a Member" page for full eligibility.
2Complete account application
When you’re ready, complete the online application or visit your branch to apply in person.
3Open your account
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.