Dwayne, enjoying retirement with Gridley.
Putting him first since 2019
Putting him first since 2019
Smart
Rates
$100
An IRA Term Certificate gives you the satisfaction of a high-yield term certificate, and the peace of mind that comes with a tax-deferring IRA. It's an account that works twice as hard for you, making retirement and retirement planning the same: easy.
Fixed IRA Rate Certificates*
Term
1 Year
| Minimum Deposit Required | APY* | Dividend |
|---|---|---|
| $100 | 0.20% | 0.20% |
Term
18 Month Bump Up
| Minimum Deposit Required | APY* | Dividend |
|---|---|---|
| $100 | 0.20% | 0.20% |
Term
2 Year
| Minimum Deposit Required | APY* | Dividend |
|---|---|---|
| $100 | 0.25% | 0.25% |
Term
3 Year
| Minimum Deposit Required | APY* | Dividend |
|---|---|---|
| $100 | 0.35% | 0.35% |
Term
5 Year
| Minimum Deposit Required | APY* | Dividend |
|---|---|---|
| $100 | 0.40% | 0.40% |
*Rates effective as of 08/24/20. Listed rates are subject to change at any time.
IRA Term Certificates have a required minimum deposit of $100.
APY= Annual Percentage Yield. The APY is the effective annual rate of return and assumes that the funds will remain in the deposit account for a full 365 days. Interest rate on term certificates are fixed for the length of the term.
Fees or other conditions could reduce the earnings on the account. A penalty may be imposed for withdrawals before maturity. An additional tax penalty from the IRS may apply for early withdrawal. Please consult a tax professional about your particular situation.
If you have any questions or need current rate information on your accounts, please call 415-674-4800 or 888-499-FIRE (3473), from 7am to 8pm (Pacific Time) Monday through Saturday
1If the prevailing dividend rates for new 18-Month Bump Up Term Certificates go up during your 18-Month term, you may contact us once during the 18 months to increase your dividend rate to match that of new term certificates.
Variable IRA Rate Certificates*
Term
60 Month
| Minimum Deposit Required | APY* | Dividend |
|---|---|---|
| $100 | 0.09% | 0.09% |
*Rates effective 7/20/20 and are subject to change at any time.
APY= Annual Percentage Yield. The APY is the effective annual rate of return and assumes the funds will remain in the deposit account for the full 365 days. Unless otherwise paid, excluding IRA's, the dividends will be credited to your account and compounded every month.
IRA Variable Term Certificates have a required minimum deposit of $100. Variable rate products may reflect a change in the interest rate after the account is opened.
Fees or other conditions could reduce the earnings on the account. A penalty may be imposed for withdrawals before maturity. Additional tax penalties from the IRS may apply for early withdrawal from your IRA. Consult a tax professional regarding your situation.
If you have any questions or need current rate information on your accounts, please call 415-674-4800 or 888-499-FIRE (3473), from 7am to 8pm (Pacific Time) Monday through Saturday
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Let's Talk
As a local credit union, we measure our success one member at a time. We want to get to know you and help you achieve your goals. Come into a branch or call us today. Our people are happy to serve you.
Call
(415) 674-4800
(888) 499-FIRE (3473)
Mon – Sat 7:00 AM – 8:00 PM*
*Please note that 'After Hours Phone Support' is available outside of regular Contact Center Hours.
Stop by a branch
Branch hours
Mon – Fri 8:30 AM – 6:00 PM
Saturday 8:30 AM – 3:00 PM
Contribution limits are based on modified annual gross income (modified AGI). Please see IRS Publication 590 for more details. Fee or other conditions could reduce the earnings on the account. A penalty may be imposed for withdrawals before maturity.