Traditional IRA Certificate Traditional IRA Certificate

A well-diversified portfolio might include an insured Traditional Individual Retirement Account (IRA) Certificate.

A Traditional IRA Certificate enables you to save for retirement without paying taxes on your interest until you begin to withdraw your funds at retirement age.

Our IRAs are insured separately up to $250,000 from other deposit accounts by the National Credit Union Administration.

With a low minimum balance of $1,000, you may open this high-yield certificate. Terms are available from 6 months to 84 months. Your Randolph-Brooks Traditional IRA Certificates will conveniently renew automatically unless you provide other instructions.

The More You Save, the Better Your Rate

With tiered rates on IRA Certificates, you make your money work for you!

Your IRA Certificate may be opened by mail, wire transfer, or in person from an existing IRA Savings Account. Plus, you may open a Traditional IRA Certificate with a rollover or transfer from another financial institution or from a retirement plan with a former employer.

IRA Certificate annual percentage yields (APY) are subject to change every Wednesday. Once you open an IRA Certificate, the rate is fixed until your certificate matures.

Please consult a financial or tax advisor concerning your specific situation. Penalties may apply for early withdrawal.

This tiered structure does not apply to an IRA Savings, which has a separate tiered system.