IRA & Share Certificates

    Make smart moves with money.

    Your financial roadmap needs products and services that allow you to plan and create opportunities for the future.

    Planning for Your Future

    Credit Human offers easy ways to put your money to work. We’ve got a range of savings certificates and IRAs designed to help you reach your long-term savings goals, prepare for retirement, or fund a college education. If you need help deciding which accounts are right for you, just get in touch. We’re here to help you make smart moves with your money.


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    Individual Retirement Accounts and Money Funds

    Great for:

    TAX DEFERRED RETIREMENT SAVINGS

    Traditional IRA Certificate

    Earn now, pay later. Contributions grow on a tax-deferred basis while you earn dividends like a certificate with fixed terms of 6-month to 10 years.

    • Open with $500 minimum deposit
    • Contributions may be tax deductible
    • Earnings are tax-deferred
    • Up to 5.05% APY with dividends paid monthly
    • Automatic renewal at maturity
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    Great for:

    LIQUIDITY AND TAX-DEFERRED EARNINGS

    Traditional Money Fund IRA

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

    • No minimum opening deposit required
    • Contributions may be tax deductible
    • Earnings are tax-deferred
    • No age limit on contributions for individuals who have earned income and are eligible
    • Up to 2.36% APY with dividends paid quarterly
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    We'll help you start planning for the future

    Credit Human can help you with a customized financial strategy built around your personal goals and circumstances.

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    Great for:

    TAX BENEFITS AT RETIREMENT

    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 5.05% APY with dividends paid monthly
    • Automatic renewal at maturity
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    Great for:

    LIQUIDITY AND TAX-FREE EARNINGS

    Roth Money Fund IRA

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

    • No minimum opening deposit required
    • Earnings are tax-free
    • No age limit on contributions
    • No required distribution at age 72
    • Up to 2.36% APY with dividends paid quarterly
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    Get Ready to Save with a Money Market Account

    As you explore savings options, put your money to work with everyday accounts that earn great dividends.

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    Share Certificates

    Great for:

    FLEXIBLE SAVINGS

    Share Certificate

    Ready to work towards a savings goal? Consider a share certificate with flexible terms you choose.

    • Up to 5.05% APY with dividends paid monthly
    • Open with $500 minimum deposit
    • Flexible terms from 3 months to 10 years
    • Automatic renewal at maturity
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    Great for:

    One-Year Commitment

    Liquid Share Certificate

    Want to build savings with an easy, one-year commitment and more flexible access to your funds? Try a savings certificate designed to keep you liquid.

    • Up to 4.65% with dividends paid monthly
    • Open with $5,000 minimum deposit
    • Fixed, 1-year term with unlimited deposits and two allowed withdrawals*
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