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 Investment Services

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, prepare for retirement, or fund a college education. 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

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 4.25% APY with dividends paid monthly
Automatic renewal at maturity

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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

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We'll help you start planning for the future

Credit Human can help you with a customized financial strategy built around your personal goals and circumstances.

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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 4.25% APY with dividends paid monthly
Automatic renewal at maturity

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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

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Get Ready to Save with a Money Market Account

As you explore savings options, put your money to work with everyday accounts that earn great dividends.

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Share Certificates

Share Certificate

Ready to work towards a savings goal? Consider a share certificate with flexible terms you choose.

Up to 4.25% APY with dividends paid monthly
Open with $500 minimum deposit
Flexible terms from 3 months to 10 years
Automatic renewal at maturity

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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 3.92% with dividends paid monthly
Open with $5,000 minimum deposit
Fixed, 1-year term with unlimited deposits and two allowed withdrawals*

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Need to visit us in person? Find the closest location or check out our ATM network.

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Membership Matters

There are many benefits of being a Credit Human member. Here are just a few:

Competitive rates to help you build financial slack
Low minimum balances for checking and savings accounts
Multiple healthy credit options
Convenient access to accounts through our digital banking app
Free financial guidance from trusted advisors

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Everything we do is in the best interest of our members. To become part of our financial cooperative apply for membership today.

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