Roth IRA Certificate

Pay now, save later. Fewer age restrictions allow you to keep contributing so your account can continue to grow with tax-free earnings.

  • Earnings are tax-free
  • No age limit on contributions
  • No required distribution at age 72
  • Up to 1.40% APY with dividends paid monthly
  • Penalty-free early withdrawal options including first-time home purchase
  • Funds federally insured up to $250,000

Note: Income restrictions apply, and contributions are taxed at ordinary income tax rates. For other options, explore Certificate & IRAs.


Tax-Free Earnings

While Roth IRAs provide no tax break on contributions, earnings can be withdrawn tax-free when needed in retirement. And, because you are not required to withdraw funds at any age, your Roth IRA can continue to grow over many years. The Roth IRA does have income restrictions and contribution limits. Before you open a Roth IRA, check that you qualify.

Note: Deposits to an IRA are limited by Federal Regulations. Consult your tax advisor regarding your personal tax situation. For the latest information on Roth IRA income restrictions and contribution rules, call our Member Service Center at (210) 258-1234 or toll free at 800-688-7228.


Options for Withdrawal

With a Roth IRA, contributions (but not earnings) can be withdrawn penalty- and tax-free at any time, even before age 59 1/2. Five tax years after the first contribution, you can withdraw up to $10,000 of your earnings penalty-free to pay for qualified first-time home buyer expenses. And if you are five years past your first contribution and over age 59 1/2, you can make any withdrawal tax-free. Finally, no withdrawals are required during the account holder’s lifetime. This means that if you do not need the money, you can allow it to continue to grow well over the required distribution age of 72 required by a Traditional IRA.

Note: Substantial penalties for early withdrawal will apply except for those specifically permitted under IRS Regulations. If you wish to make a withdrawal, check to determine whether you may do so penalty-free, or if you will face an early withdrawal penalty.

Get Help from Credit Human

Opening your IRA is easy — we’re here to help. The type of individual retirement account you choose can significantly affect your long-term savings. Be sure to understand your IRA options to choose the best one for you. For help in understanding your options, or to open an IRA, call our Member Service Center at (210) 258-1234 or toll free at 800-688-7228.

Your Insured Funds

Credit Human IRAs are insured separately up to $250,000 by the National Credit Union Administration (NCUA), a U.S. Government Agency. Similar to deposit insurance coverage offered by the FDIC for banks, the NCUA operates the National Credit Union Share Insurance Fund (NCUSIF) to protect accounts at federally insured credit unions.

More Details:  Account type and ownership factor into coverage amounts. Read up on NCUA Share Insurance (PDF) to maximize your coverage, estimate your coverage online, or call our Member Service Center at (210) 258-1234 or toll free at 800-688-7228 for further information on your insured funds.

Join Credit Human and Become a Member Today

Roth Money Fund IRA

Provides a means for saving for retirement without having funds locked up for a set amount of time.

Home Equity

If you’ve spent years investing time and money into your home, it may be time to explore ways to leverage its value.

Roth IRA Certificate Rates

Account BalanceDividend RateAnnual Percentage Yield
No Minimum0.25%0.25%
Account BalanceDividend RateAnnual Percentage Yield
No Minimum0.35%0.35%
Account BalanceDividend RateAnnual Percentage Yield
No Minimum0.40%0.40%
Account BalanceDividend RateAnnual Percentage Yield
No Minimum0.45%0.45%
Account BalanceDividend RateAnnual Percentage Yield
No Minimum0.70%0.70%
Account BalanceDividend RateAnnual Percentage Yield
No Minimum1.09%1.10%
Account BalanceDividend RateAnnual Percentage Yield
No Minimum1.19%1.20%
Account BalanceDividend RateAnnual Percentage Yield
No Minimum1.39%1.40%

Rates are effective as of March 5, 2021

A penalty will be imposed for early withdrawal, including substantial penalties on tax-deferred instruments.

Includes Traditional, Roth, and Education IRAs.

Credit Human IRA share certificates are available with a minimum deposit of $500.

Actual certificate dividend rate and annual percentage yield (APY) will be based on the dividend rate in effect on date of deposit. Dividend rates are fixed unless otherwise stated. The annual percentage yield assumes that dividends remain on deposit until maturity. A withdrawal of dividends will reduce earnings. Published rates and annual percentage yields (APYs) are subject to change daily.

Your Credit Human deposits are insured up to $250,000 by the National Credit Union Administration (NCUA), as a U.S. Government Agency. In addition, your Credit Human IRA deposits are insured, separately, up to $250,000 by the NCUA. Membership eligibility required. For current rates, APY, or additional information, please ask an Account Service Representative or call the Credit Human Member Service Center U.S. Toll Free at 1-800-234-7228 or in San Antonio at 210-258-1234.