Certificates, IRAs & HSAs

Planning for your future starts with having options.

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Share Certificates

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INDIVIDUAL RETIREMENT ACCOUNTS

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HEALTH SAVINGS ACCOUNTS

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INVESTMENT CALCULATOR

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Need Help Choosing

Select any of the scenarios to the right to reveal the option that we recommend for you.

Need Instant access to funds with better rates?

Check out the MoneyMarket Account options

Limited access to funds with higher rates

Certificates of Deposit would be perfect for you

Limited access to funds with higher rates & tax advantages

An IRA could be your best option

A tax-sheltered savings designed for Medical expenses only

HSAs are a great way to save for medical expenses

share Certificates

Are a great financial tool for those looking to save and grow their money at the same time. A share certificate is a high yield term investment. Essentially, you lock up your money for an extended amount of time.

To start saving with a share certificate, all you need is a minimum deposit of $1,000. We have a wide range of terms to choose from, so you can choose the term to fit your needs. Your share certificate will begin earning dividends as soon as it is opened. These dividends can be paid back to you in a various amount of ways. When the share certificate matures, you can choose to withdraw the money or roll it into a new share certificate.

Open a Share Certificate Online

Individual Retirement Accounts (IRA)

IRAs were developed to give members a chance to plan for retirement.  IRA’s can also be used to save for educational expenses. There may also be certain tax benefits available to you.  Always consult your tax advisor regarding tax benefits.

CFCCU offers three types of IRAs to meet your needs.  Those Individual Retirement Accounts include Traditional IRAs, Roth IRAs and Coverdell Education Savings Accounts (also known as Educational IRAs). 

What is the difference between an IRA money market and an IRA certificate?  IRA money market accounts can be opened without a minimum balance and do not have set terms, and IRA certificate accounts can be opened with $1,000.  IRA certificates have higher dividend rates in exchange for agreeing to set a term.

Health Savings Accounts (HSA)

Health Savings Accounts are an option for those who have high deductible health care plans.  This account has no minimum balance and may earn dividends with a minimum balance of $100.00.  A benefit of an HSA is the ability to accumulate dividends tax-free so long as purchases from the account are for qualifying health expenses.  Be sure to consult your tax adviser for specific tax information.

Visit any of our branches, call 319.266.7531 or toll-free 1-800-376-3090, or contact us to open your deposit account.  Deposits made to CFCCU are federally insured up to $250,000.

    Do you have more questions? Are you ready to open an account?

    Share Certificate

    Call 319.266.7531 or stop by any of our branches to speak to one of our Member Service Representatives.

    IRA & HSA accounts

    Call 319.266.7531 or email member services to set up an appointment with one of our experts

    Certificate rates

    Share Certificates
    $1,000 Minimum – Penalty for Early Withdrawal

    Certificate Term
    6 months
    (Limited Time Special)
    12 months
    (Limited Time Special)
    18 months
    (Limited Time Special)
    24 months
    (Limited Time Special)
    30 months
    36 months
    41 months
    60 months
    Dividend Rate
    4.232%
    4.426%
    4.135%
    4.038%
    3.844%
    1.985%
    3.455%
    1.985%
    APY²
    4.30%
    4.50%
    4.20%
    4.10%
    3.90%
    2.00%
    3.50%
    2.00%

    JUMBO Certificates
    $100,000 Minimum – Penalty for Early Withdrawal

    Certificate Term
    6 months
    (Limited Time Special)
    12 months
    (Limited Time Special)
    18 months
    (Limited Time Special)
    24 months
    (Limited Time Special)
    30 months
    36 months
    41 months
    60 months
    Dividend Rate
    4.329%
    4.523%
    4.232%
    4.135%
    3.941%
    2.084%
    3.552%
    2.084%
    APY²
    4.40%
    4.60%
    4.30%
    4.20%
    4.00%
    2.10%
    3.60%
    2.10%

    Youth Certificates
    $100 Min. $30,000 Max. - Penalty for Early Withdrawal

    Certificate Term
    3 Month Add-On³
    Dividend Rate
    3.358%
    APY²
    3.40%

    ²APY equals Annual Percentage Yield. Dividends on certificates are compounded quarterly. The APY does not change on certificates until the maturity date. Dividend rates on certificates are fixed when account is opened. Penalties may be imposed for early withdrawal and those fees could reduce earnings. Withdrawal of earnings could reduce APY. APY is accurate as of 10/28/2024.
    ³Only available for members under age 18. Member may add to certificate balance at any time.
    ⁷Members can “Step-Up” the rate one time during the term of the certificate to the rate being paid on regular certificates of similar terms.

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