IRA & Share Certificates
Your financial roadmap needs products and services that allow you to plan and create opportunities for the future.
Planning for Your Future
Credit Human offers easy ways to put your money to work. We’ve got a range of savings certificates and IRAs designed to help you reach your long-term savings goals. If you need help deciding which accounts are right for you, just get in touch. We’re here to help you make smart moves with your money.
Already have an IRA or Certificate?
Individual Retirement Accounts and Money Funds
Great for:
TAX DEFERRED RETIREMENT SAVINGS
Traditional IRA Certificate
Earn now, pay later. Contributions grow on a tax-deferred basis while you earn dividends like a certificate with fixed terms of 6-month to 10 years.
- Open with $500 minimum deposit
- Contributions may be tax deductible
- Earnings are tax-deferred
- Up to 4.40% APY with dividends paid monthly
- Automatic renewal at maturity
Great for:
LIQUIDITY AND TAX-DEFERRED EARNINGS
Traditional Money Fund IRA
Provides a means for saving for retirement without having funds locked up for a set amount of time.
- No minimum opening deposit required
- Contributions may be tax deductible
- Earnings are tax-deferred
- No age limit on contributions for individuals who have earned income and are eligible
- Up to 2.36% APY with dividends paid quarterly
Great for:
TAX BENEFITS AT RETIREMENT
Roth IRA Certificate
- Earnings are tax-free
- No age limit on contributions
- No required distribution at age 72
- Up to 4.40% APY with dividends paid monthly
- Automatic renewal at maturity
Great for:
LIQUIDITY AND TAX-FREE EARNINGS
Roth Money Fund IRA
Provides a means for saving for retirement without having funds locked up for a set amount of time.
- No minimum opening deposit required
- Earnings are tax-free
- No age limit on contributions
- No required distribution at age 72
- Up to 2.36% APY with dividends paid quarterly
Share Certificates
Great for:
FLEXIBLE SAVINGS
Share Certificate
Ready to work toward a savings goal? Consider a share certificate with flexible terms you choose.
- Up to 4.55% APY with dividends paid monthly
- Open with $500 minimum deposit
- Flexible terms from 3 months to 10 years
- Automatic renewal at maturity
Great for:
One-Year Commitment
Liquid Share Certificate
Want to build savings with an easy, one-year commitment and more flexible access to your funds? Try a savings certificate designed to keep you liquid.
- Up to 4.26% with dividends paid monthly
- Open with $5,000 minimum deposit
- Fixed, 1-year term with unlimited deposits and two allowed withdrawals*