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IRA Choice Certificates
Choose steady, predictable growth for your retirement savings with tax-advantaged IRA Choice Certificates.
Predictable
Lock in a competitive rate, up to 4.10% APY1
Save
Choose Traditional IRA or Roth IRA for your IRA Choice Certificate, with terms between 6 and 60 months
Reinvest
Compounded dividends for maximum growth1
What are retirement certificates of deposit?
Your retirement savings just got a glow up. You may be familiar with certificates of deposit, known as CDs. As a credit union, we call them Choice Certificates. When used to help you save for retirement, we call them IRA Choice Certificates, and they can give you steady, predictable growth with tax advantages.1
IRA Choice Certificates reinvest your compounded dividends, so more of your money stays working for you. For your Civic IRA Choice Certificate, choose either a Traditional IRA, which is tax-deferred, or a Roth IRA which grows tax-free. Both have guaranteed growth. You also choose the term of your IRA Choice Certificate, between 6 and 60 months. Then, simply fund the new IRA Choice Certificate from an existing deposit account.
Imagine: Stable savings options that are not investments or correlated to the stock market. No market worries, just steady growth on your own terms. Choose a Civic IRA Choice Certificate for your retirement planning and get guaranteed savings growth that is NCUA insured up to $250,000.2
Terms
- Must have a Civic IRA Savings Account and a Select Savings Account
- Minimum deposit of $250
- Terms between 6 and 60 months
- Early termination penalty applies
- Monthly compounded dividends required to be reinvested
Features
- Flexible IRA Choice Certificate terms
- Compounded dividends to help you save more for retirement
- Fixed, competitive rates
- Low minimum deposit
IRA Choice Certificate
Competitive certificate rates meet tax-advantaged IRAs
| 0 | IRA Choice Certificate | Dividend Rate | APY1 | Term | Min. Deposit |
|---|---|---|---|---|---|
| 1 | IRA Choice Certificate 6 | 3.59% | 3.65% | 6 months | $250 |
| 2 | IRA Choice Certificate 12 | 3.92% | 4.00% | 12 months | $250 |
| 3 | IRA Choice Certificate 18 | 3.92% | 4.00% | 18 months | $250 |
| 4 | IRA Choice Certificate 24 | 4.02% | 4.10% | 24 months | $250 |
| 5 | IRA Choice Certificate 36 | 3.73% | 3.85% | 36 months | $250 |
| 6 | IRA Choice Certificate 48 | 3.63% | 3.70% | 48 months | $250 |
| 7 | IRA Choice Certificate 60 | 3.92% | 4.00% | 60 months | $250 |
Rates and terms vary based on certificate chosen. | APY = Annual Percentage Yield | Effective Date: 02/02/2026
IRA contribution limits
Maximize your contribution
| 0 | Traditional IRA | Roth IRA | |
|---|---|---|---|
| 1 | Contribution Limits - under age 50 | $7,500 | $7,500 |
| 2 | Contribution Limits - age 50 and older | 7,500 + $1,100 catch-up | $7,500 + $1,100 catch-up |
Limits set by IRS, for tax year 2026
Open your IRA
Ready to open your IRA Choice Certificate? Our team is here to walk you through the process.
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Roth IRA
Retire strong, tax-free
Open a Roth IRA savings account for retirement so your contributions and dividends can grow tax-free.
- $25 minimum deposit and monthly balance to avoid maintenance fee
- Dividends are compounded monthly and paid out monthly
- Ongoing deposits to your Roth IRA are not required
- Annual contributions up to $7,500, or $8,600 for members 50+ years old
You know the details matter (and you are in good company)
Here are a few FAQs
Can I withdraw my money before my certificate matures?
Yes, but if you elect to withdraw your deposit before the certificate matures, there is a penalty. You’ll forfeit 90 days’ interest for terms 12 months or less or 180 days’ interest for all other terms.
What are my options when my certificate matures?
If you haven’t already issued instructions to us, we will contact you and ask for your direction prior to the maturation of your certificate. You may choose to auto-renew your principal (and any dividends earned) at the updated rate for the same term, or you can elect to transfer the funds to another account during the 10-day grace period.
Why would I choose an IRA CD as a retirement account?
An IRA CD is a good fixed-income account to add to your retirement portfolio if you prefer a tax-advantaged account with low risk and modest growth that’s not dependent on the stock market. But there are IRS-imposed contribution limitations, so check with your tax adviser to see if an IRA CD could be right for you.
Open a retirement IRA Choice Certificate to get guaranteed tax-advantaged growth
Give your retirement savings a glow up with a Civic Traditional IRA Choice Certificate or a Civic Roth IRA Choice Certificate. Choose terms between 6 and 60 months with competitive rates to match. No market worries, just steady and guaranteed growth.
1 APY = Annual Percentage Yield. Minimum deposit $250. Civic IRA Savings and Civic Select Savings accounts required. Fixed-rate account; dividends compounded monthly and paid monthly into IRA Choice Certificate account. Earnings are guaranteed when principal is not withdrawn before certificate maturity date. Penalty imposed for early withdrawal, excluding Required Minimum Distributions. Individual Retirement Accounts offered by Civic are insured up to applicable limits by the National Credit Union Share Insurance Fund. IRA contributions, distributions, and tax treatment are governed by Internal Revenue Service rules, which may change. Civic IRA ChoiceCertificates are not investment accounts and Civic does not provide investment advice. Consult a qualified tax, legal, or financial advisor regarding your specific situation before opening or funding an IRA.
2 Deposit accounts at Civic are federally insured by the National Credit Union Administration up to $250,000 per member account, based on the types and ownership categories of your accounts.
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