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Community Financial Credit Union
Home > Savings Services > IRAs

IRAs

The earlier you start saving for retirement the better off you will be in the long run. Community Financial makes it easy, we offer IRA Savings or Certificates Accounts that can be opened with a minimal amount and are insured to $750,000 by the NCUA & private ESI insurance.

IRA Savings Accounts

IRA Certificates

Any Community Financial certificate of deposit can be opened as a Traditional, Roth or Educational IRA for as little as $500.
Call (877) 937-2328 to discuss which IRA is right for you.
*Consult tax advisor before opening

Certificate Rates
Effective Date: Sunday, January 22nd, 2017
  Share Certificates & Non-Club Members & Student Certificates eClub &
Advantage Club
Sterling Club President's Club
TermRateAPYRateAPYRateAPYRateAPY
23 Month Special* 1.19% 1.20% 1.19% 1.20% 1.19% 1.20% 1.19% 1.20%
57 Month Special* 1.49% 1.50% 1.49% 1.50% 1.49% 1.50% 1.49% 1.50%
90 Day 0.10% 0.10% 0.20% 0.20% 0.25% 0.25% 0.30% 0.30%
180 Day 0.10% 0.10% 0.20% 0.20% 0.25% 0.25% 0.30% 0.30%
1 Year 0.10% 0.10% 0.20% 0.20% 0.25% 0.25% 0.30% 0.30%
2 Year 0.20% 0.20% 0.30% 0.30% 0.35% 0.35% 0.40% 0.40%
3 Year 0.20% 0.20% 0.30% 0.30% 0.35% 0.35% 0.40% 0.40%
4 Year 0.35% 0.35% 0.45% 0.45% 0.50% 0.50% 0.55% 0.55%
5 Year 0.45% 0.45% 0.55% 0.55% 0.60% 0.60% 0.65% 0.65%

The appropriate Certificate Bonus rate will be applied at the time your certificate account is opened.  Stated Annual Percentage Yields (APY) depend on Member Reward Club status. Club membership is determined by the combined deposit and loan balances, excluding 1st mortgages & certificates, held at Community Financial. *Member Reward Bonuses do not apply to special certificates. Rates are reviewed weekly and subject to change without notice. Accounts subject to penalty for early withdrawal, fees, if any, may reduce earnings.

 

About Community Financial

IRA Updates

Click for 2015 regulation updates regarding your IRA.

IRA Hotline:  (734) 582-8506

National Credit Union Administration
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Community Financial Credit Union, P.O. Box 8050, Plymouth, Michigan 48170-8050

Proudly serving the checking, savings & loan needs of these Michigan communities:
Atlanta | Canton | Gaylord | Hillman | Lewiston | Livonia | Northville | Novi |Plymouth

© Community Financial 2017

Additional coverage provided by ESI.
Equal Housing Lender
Federally insured by NCUA.
Federally insured by NCUA.