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 Certificate Accounts that can be opened with a minimal amount and are insured by the NCUA & private ESI insurance.

IRA Certificates of Deposit

Any Community Financial certificate of deposit can be opened as a Traditional, Roth or Educational IRA for as little as $500.

IRA Certificate Specials
Effective Date: Monday, October 18th, 2021
RateAPY* as high as
13 Month Special*
0.45% 0.45%
29 Month Special*
0.60% 0.60%
*APY= Annual Percentage Yield. APY depends on Member Reward Club status and is subject to change. APY stated above assumes President's Club status. Minimum to open: $500 for IRA certificates, $1,000 for all others. Fees may reduce earnings; subject to penalty for early withdrawal. Please call (877) 937-2328 for additional rates & terms. Excess Share Insurance coverage changes effective 3/1/2020.

IRA Savings Accounts

  • Only $5 to open*
  • Easily build your retirement savings with automatic deposits
  • No minimum to earn dividends
  • $3 monthly fee if balance is below $100
  • View all deposit rates

Call (877) 937-2328 to discuss which IRA is right for you.

*Consult a tax advisor before opening

Learning Module: Retirement

Have you started saving for retirement? It’s never too early or too late to get started. Check out our Money Matter$ eLearning Center to figure out how to start saving and how much you should plan to save for your future financial security.

Start Planning Today!


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