build a brighter retirement with confidence.
A Roth IRA Share Certificate from Fibre Federal Credit Union and TLC helps you earn a guaranteed rate while enjoying the long-term benefits of tax-free growth. Put time and dividends to work for a more secure retirement.
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Flexible Terms
Pick from various certificate terms to meet your savings goals from 6 to 60-months.
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Tax-Free Growth
Enjoy retirement without worrying about taxes. You contribute using money you’ve already paid taxes on.
Roth IRA Certificate Resources
Start saving for retirement now with a Roth IRA certificate from Fibre Federal Credit Union and TLC. Take advantage of tax-free growth and tax-free withdrawals in retirement.
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1
Apply
New and existing members can click below or visit any location.
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2
Select Your Term
Choose a term between six months and five years that meets your savings goals.
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3
Fund and Save!
Make a deposit and watch your nest egg grow over time!
Real Words, Real People from the PNW
Money was never something that we talked about growing up, so it’s something I really try to focus on with my kids. My kids each have accounts at the credit union. My daughter just turned six and feels like such a big girl when she’s able to make that transaction with a teller. If I had had those conversations with my family, I could have had more opportunities to do the things that I wanted to do.
Shantelle
Roth IRA Certificate FAQs
Credit unions typically offer more competitive dividend rates on Roth IRAs than large national banks. This allows your retirement savings to grow faster over time. Our excellent rates are just one of the many benefits of opening your Roth IRA at our member-focused credit union.
Yes, you can. Participating in an employer-sponsored retirement plan does not affect your ability to contribute to a Roth IRA. Your eligibility to contribute is based on your modified adjusted gross income.
No, a significant benefit of a Roth IRA is there are no required minimum distributions during the account owner’s lifetime. This allows your savings to continue growing tax-free.
You can withdraw your contributions from a Roth IRA at any time, tax and IRS-penalty-free. However, you cannot withdraw earnings without incurring taxes and penalties unless you meet certain conditions. Examples include:
- Your Roth IRA account is at least five years old.
- You’re 59½ years old or you meet any of the withdrawal exceptions.
You can find more information regarding Roth IRA distributions on the IRS website.
The annual contribution limit for a Roth IRA is $7,500 for 2026 or $8,600 if you are 50 or older. This is an annual combined limit across all IRAs per individual.
*Annual Percentage Yield (APY) effective and subject to change.
Also see Terms For Accounts.
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Our share certificates help you meet your saving goals faster with competitive rates.
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