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An IRA Choice Certificate is a great choice!
Confirm first
To open an IRA Choice Certificate you must have an IRA savings account, in addition to Civic membership.
Make a choice
Be prepared to select your IRA Choice Certificate as a Roth (tax-free growth) or Traditional (tax-deferred) option.
Wait to fund
During the application you will be prompted to fund account. To ensure appropriate funding select "no, submit application". A Civic team member will call you from 844-722-4842 to help you fund your account.
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 | 4.17% | 4.25% | 6 months | $250 |
| 2 | IRA Choice Certificate 12 | 4.41% | 4.50% | 12 months | $250 |
| 3 | IRA Choice Certificate 18 | 4.41% | 4.50% | 18 months | $250 |
| 4 | IRA Choice Certificate 24 | 4.45% | 4.55% | 24 months | $250 |
| 5 | IRA Choice Certificate 36 | 4.50% | 4.60% | 36 months | $250 |
| 6 | IRA Choice Certificate 48 | 3.92% | 4.00% | 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: 10/15/2025
IRA contribution limits
Maximize your contribution
| 0 | Traditional IRA | Roth IRA | |
|---|---|---|---|
| 1 | Contribution Limits - under age 50 | $7,000 | $7,000 |
| 2 | Contribution Limits - age 50 and older | 7,000 + $1,000 catch-up | $7,000 + $1,000 catch-up |
Limits set by IRS
Tax year 2025
Open a retirement IRA Choice Certificate to get guaranteed, steady, 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 is $250. Civic IRA Savings and Civic Select Savings accounts required. Fixed-rate account; dividends are compounded monthly and paid monthly into the IRA Certificate account. Applicable fees could reduce balance on account. Penalty imposed for early withdrawal, excluding Required Minimum Distributions. This is a Share IRA account and is not an investment account. Consult a financial advisor or tax professional for additional guidance.