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    IRA & Share Certificates

    Make smart moves with money.

    Your financial roadmap needs products and services that allow you to plan and create opportunities for the future.
    IRA & Share Certificates
    IRA & Share Certificates

    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.


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    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 4.00% APY with dividends paid monthly
    • Automatic renewal at maturity
    Get Details

    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
    Get Details

    Great for:

    TAX BENEFITS AT RETIREMENT

    Roth IRA Certificate

    Pay now, save later. Fewer age restrictions allow you to keep contributing so your account can continue to grow with tax-free earnings.
    • Earnings are tax-free
    • No age limit on contributions
    • No required distribution at age 72
    • Up to 4.00% APY with dividends paid monthly
    • Automatic renewal at maturity
    Get Details

    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
    Get Details

    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 4.06% APY with dividends paid monthly
    • Open with $500 minimum deposit
    • Flexible terms from 3 months to 10 years
    • Automatic renewal at maturity
    Get Details

    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 3.75% with dividends paid monthly
    • Open with $5,000 minimum deposit
    • Fixed, 1-year term with unlimited deposits and two allowed withdrawals*
    Get Details