Build a Brighter Future

IRA Share Certificates

Looking for a secure way to save for your golden years? An IRA/Roth IRA Share Certificate from Soarion Credit Union can give you the best of both worlds.

Competitive Rates

Insured by NCUA

No Monthly Fee

Earns Dividends

About IRA/Roth IRA Share Certificates

With Soarion IRA/Roth IRA Share Certificates, You Can Save for Retirement.

An IRA/Roth IRA Share Certificate is a great savings tool that allows you to earn higher dividends like you would with a traditional certificate account and offers tax advantages similar to an IRA all rolled into one. Start investing in your future with as little as $1,000 and allow you to grow your money with terms from one to seven years.

IRA/Roth IRA Share Certificate

$1,000 minimum opening balance¹
Competitive rates
Guaranteed return
Tax deferred
Insured by NCUA

IRA/Roth IRA Share Certificate Rates

Rates effective as of: 3-16-2026

Rates effective as of: 07/09/2026

Term

Dividend Rate

APY*

1 Year

2.906%

2.95%

1-Year Jumbo

2.906%

2.95%

18 Months

3.101%

3.15%

18-Month Jumbo

3.101%

3.15%

2 Years

3.004%

3.05%

2-Year Jumbo

3.004%

3.05%

3 Years

3.101%

3.15%

3-Year Jumbo

3.101%

3.15%

4 Years

2.906%

2.95%

4-Year Jumbo

2.906%

2.95%

5 Years

3.286%

3.34%

5-Year Jumbo

3.286%

3.34%

7 Years

2.858%

2.90%

7-Year Jumbo

2.858%

2.90%

More Ways to Invest

Roth IRA

A Roth IRA is a retirement savings plan where contributions are made after tax, but earnings and withdrawals in retirement are tax-free. It’s best for those expecting to be in a higher tax bracket in retirement.

Traditional IRA

A Traditional IRA is a tax-advantaged retirement plan that allows tax-deductible contributions and tax-deferred earnings. Start with just $5 and grow your savings through regular deposits.

Wealth Solutions

Soarion Wealth Solutions* offers various investment products and services with flexible options to help clients achieve their financial goals. Nahid Karimjee, CFP®, a Senior Financial Advisor, provides guidance and education to create personalized wealth management plans.

More Ways to Invest

Roth IRA

Traditional IRA

A Traditional IRA is a tax-advantaged retirement plan that allows tax-deductible contributions and tax-deferred earnings. Start with just $5 and grow your savings through regular deposits.

Wealth Solutions

* APY = Annual Percentage Yield. Dividends Compounded: Monthly. Dividends Credited: Monthly. Balance Computation Method: Dividends are calculated using the daily balance method. This method applies a daily periodic rate to the principal in the account each day. Rates subject to change at any time without notice. Fees could reduce the earnings on the account.

¹Membership Required. Minimum $1,000 opening deposit required for non-jumbo certificates. APY is based on the assumption that dividends will remain on deposit in the IRA Share Certificate until maturity. Penalty will be imposed for early withdrawal. Early withdrawal fees could reduce earnings on the account. You should seek the advice of your own tax advisor with respect to your particular circumstances.

Minimum $100,000 opening deposit required for jumbo certificates. APY is based on the assumption that dividends will remain on deposit in the IRA Share Certificate until maturity. Penalty will be imposed for early withdrawal. Early withdrawal fees could reduce earnings on the account. You should seek the advice of your own tax advisor with respect to your particular circumstances.

For a comprehensive review of your personal situation, always consult with a tax or legal advisor. Neither Osaic Institutions or any of its representatives may give legal or tax advice.

Investment and insurance products and services are offered through OSAIC INSTITUTIONS, INC., MEMBER FINRA / SIPC.

“Soarion Wealth Solutions” is a trade name of Soarion Credit Union. Osaic Institutions and Soarion are not affiliated.

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