SAVING TODAY IS AN INVESTMENT IN YOUR FUTURE
Preparing for retirement takes time, planning, and the right tools. A Traditional IRA Share Certificate from Fibre Federal Credit Union and TLC offers a safe, reliable way to grow your savings with strong returns, helping you build confidence and financial stability for the years ahead.
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Tax Benefits
Reduce how much tax you owe by contributing regularly to your credit union IRA.
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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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Competitive Rates
Earn better returns on your IRA savings account through more competitive rates than those offered at other institutions.
Traditional IRA Resources
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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
Best financial institution
I have ever used! Super friendly, helpful staff members who give excellent
service and are very knowledgeable about their products and services. I love
how easy it is to talk to a person or get assistance when needed.
Geoffrey P.
Traditional IRA Share Certificate FAQs
Annual percentage yields show the annual return earned on an IRA account. IRA Certificates tend to offer higher APYs than other types of savings accounts like money markets or share certificates. A higher APY potentially allows your retirement savings to grow faster.
IRA Certificates can offer higher returns than IRA savings accounts. They also have less risk than mutual funds. Consider your risk tolerance and time horizon when choosing investments.
You can contribute earned income up to the annual IRA limits set by the IRS. Income limits only affect whether contributions are tax-deductible. Check with your financial advisor regarding deductibility.
An IRA Certificate allows your savings to grow tax-deferred. You don’t pay taxes on the dividend earned until you withdraw the funds in retirement. This feature can boost your returns compared to other taxable savings accounts. Consult with your tax advisor for personalized advice.
*Annual Percentage Yield (APY) effective and subject to change.
Also see Terms For Accounts.
Savings Accounts
We have a savings account to suit every stage of your financial journey.
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Money Market Accounts
Grow your money faster with our highly competitive money market account interest rates.
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Certificates
Our share certificates help you meet your saving goals faster with competitive rates.
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