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 $100.

Special Certificates of Deposit
Effective Date: Monday, March 4th, 2024
Dividend RateAPY* as high as
13 Month Bump Certificate
4.23% 4.30%
29 Month Bump Certificate
4.33% 4.40%
Wire transfer fees up to $50 will be waived. A one-time bump may occur during the term of the CD.
*APY= Annual Percentage Yield. Minimum to open: $100Fees may reduce earnings; subject to penalty for early withdrawal. Please call (877) 937-2328 for additional rates & terms.

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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