Build a Brighter Future

IRA Share Certificates

Looking for a secure way to save for your golden years? An IRA/Roth IRA Share Certificate from Soarion Credit Union can give you the best of both worlds.

About IRA/Roth IRA Share Certificates

An IRA/Roth IRA Share Certificate is a great savings tool that allows you to earn higher dividends like you would with a traditional certificate account and offers tax advantages similar to an IRA all rolled into one. Start investing in your future with as little as $1,000 and allow you to grow your money with terms from one to seven years.

IRA/Roth IRA Share Certificate Features

$1,000 minimum opening balance¹

Competitive rates

Guaranteed return

Tax deferred

Insured by NCUA

Women taking a break form hiking and laughing

IRA/Roth IRA Share Certificates Include

Competitive Rates

Insured by NCUA

No Monthly Fee

Earns Dividends

Stop by a Soarion Financial Center or call us to open an IRA/Roth IRA Certificate Account.

IRA/Roth IRA Share Certificate Rates

Rates effective as of:

Term	Dividend Rates	APY*
1 Year	3.731%	3.80%
1-Year Jumbo	3.731%	3.80%
18 Months	3.634%	3.70%
18-Month Jumbo	3.634%	3.70%
2 Years	3.538%	3.60%
2-Year Jumbo	3.538%	3.60%
3 Years	3.198%	3.25%
3-Year Jumbo	3.198%	3.25%
4 Years	2.955%	3.00%
4-Year Jumbo	2.955%	3.00%
5 Years	3.344%	3.40%
5-Year Jumbo	3.344%	3.40%
7 Years	2.906%	2.95%
7-Year Jumbo	2.906%	2.95%

* APY = Annual Percentage Yield. Dividends Compounded: Monthly. Dividends Credited: Monthly. Balance Computation Method: Dividends are calculated using the daily balance method. This method applies a daily periodic rate to the principal in the account each day. Rates subject to change at any time without notice. Fees could reduce the earnings on the account.

¹Membership Required. Minimum $1,000 opening deposit required for non-jumbo certificates. APY is based on the assumption that dividends will remain on deposit in the IRA Share Certificate until maturity. Penalty will be imposed for early withdrawal. Early withdrawal fees could reduce earnings on the account. You should seek the advice of your own tax advisor with respect to your particular circumstances.

Minimum $100,000 opening deposit required for jumbo certificates. APY is based on the assumption that dividends will remain on deposit in the IRA Share Certificate until maturity. Penalty will be imposed for early withdrawal. Early withdrawal fees could reduce earnings on the account. You should seek the advice of your own tax advisor with respect to your particular circumstances.