IRA Certificates

Low Minimums

Open an account and start saving with low minimum deposits.

Fixed Rates

Save more by earning higher returns with guaranteed fixed dividend rates.

Federally-Insured

Keep your money safe with government-backed account insurance of up to $250,000.

Our IRA Certificates offer fixed rates, flexible terms, and tax-deferred growth to help you build savings for retirement.

Features include:

LOCK-IN RATES

No matter how long your term, your rates won’t change. Earn high, guaranteed dividends over the certificate’s lifetime.

FLEXIBLE TERMS

Choose a term from 6 to 60 months that best suits your needs. Opt for a longer timeframe to lock in current rates.

EARN HIGHER DIVIDENDS

Put your money to work and save more for retirement. Enjoy higher dividends compared to most other savings account options.

CONTRIBUTION LIMITS

The IRS dictates the maximum amount you can contribute to all of your IRAs in a year. For 2023, the limit is $6,500 per year for individuals under 50 and $7,500 for those aged 50 or above.

In 2024, you will be able to contribute $7,000 if you’re under age 50 and $8,000 if you are 50 or older.

WITHDRAWAL FEATURES

You can access your funds once the IRA Certificate reaches the maturity date. Anyone age 73 or older can withdraw funds without penalties to meet the required minimum distributions. Otherwise, early withdrawal penalties may apply.

As a member-owned credit union, we put the best interests of our members first.

Our service area covers eleven counties in SW Washington and along the Oregon coast. Anyone with family ties or shared households with existing members can join. We also extend membership to select local businesses and organizations.

Fibre Federal Credit Union and TLC provides a full range of financial services designed to meet the specific needs of our member-owners. Experience the credit union difference with us!