Roth IRA Certificate
For those who want certainty in their retirement plan, a Roth IRA Certificate provides structure and clarity. With fixed terms and predictable growth, it helps you stay committed to long-term goals. Combined with tax-free withdrawals, it’s a powerful way to plan ahead with confidence. IRA accounts can be opened at a Financial Health Center or by calling 800-688-7228.
What sets our Roth IRA Certificate account apart
For those seeking predictable growth and tax-free retirement income. Compared to Roth Money Fund IRAs, it offers more structure but less access during the term. 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 73
- Competitive dividends paid monthly
- Automatic renewal at maturity
- Penalty-free early withdrawal options including first-time home purchase
- Funds federally insured up to $250,000
Income restrictions apply, and contributions are taxed at ordinary income tax rates.
Plan ahead with clarity and confidence
Visit a Financial Health Center to open a Roth IRA Certificate and take a structured approach to building your future. With steady progress and long-term focus, you can reduce uncertainty over time.
Dividends and Withdrawals
Taxes on your deposits, savings in retirement
While Roth IRAs provide no tax break on contributions, earnings can be withdrawn tax-free when needed in retirement. And, because you are not required to withdraw funds at any age, your Roth IRA can continue to grow over many years. The Roth IRA does have income restrictions and contribution limits. Before you open a Roth IRA, check that you qualify.
Deposits to an IRA are limited by Federal Regulations. Consult your tax advisor regarding your personal tax situation. For the latest information on Roth IRA income restrictions and contribution rules, call our Member Service Center toll free at 800-688-7228.
Options for withdrawal
With a Roth IRA, contributions (but not earnings) can be withdrawn penalty- and tax-free at any time, even before age 59 1/2. Five tax years after the first contribution, you can withdraw up to $10,000 of your earnings penalty-free to pay for qualified first-time home buyer expenses. And if you are five years past your first contribution and over age 59 1/2, you can make any withdrawal tax-free. Finally, no withdrawals are required during the account holder’s lifetime. This means that if you do not need the money, you can allow it to continue to grow well over the required distribution age of 73 required by a Traditional IRA.
Get help from Credit Human
Opening your IRA is easy—we’re here to help. The type of individual retirement account you choose can significantly affect your long-term savings. Be sure to understand your IRA options to choose the best one for you. For help in understanding your options, or to open an IRA, call our Member Service Center toll free at 800-688-7228.
Credit Human deposit accounts are federally insured through the NCUA
As a Credit Human member, your deposits—checking, savings, certificates and IRAs—are federally insured up to $250,000 by National Credit Union Administration (NCUA). Similar to deposit insurance coverage offered by the FDIC for banks, the NCUA operates the National Credit Union Share Insurance Fund (NCUSIF) to protect accounts at federally insured credit unions.
Account type and ownership factor into coverage amounts. Read up on NCUA Share Insurance below to maximize your coverage, estimate your coverage online or call our Member Service Center for further information on your insured funds.
