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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.

Consult your tax professional for more information about Term Share Certificate IRAs. Addition Financial also 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, excluding 10 months
  • No monthly service fees
  • Dividends compounded daily and credited monthly
  • Funds available at maturity; substantial penalty for early withdrawal
  • Statements sent quarterly
  • Traditional and Roth IRAs are insured to $250,000 by the NCUA
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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, attends school or vocational training, or is an alumni of any college, university, or educational institution located in 22 select counties may join. View our "Join Today" page for full eligibility.

  2. 2
    Complete account application

    When you’re ready visit your nearest branch to apply in person.

  3. 3
    Open your account

    Start saving.