JavaScript must be turned on in order for this site to display properly


Ways to invest IRA Certificates & IRA Savings

Our Traditional and Roth IRAs are available as IRA Savings or IRA Certificates. What’s the difference? We’re glad you asked:


IRA Certificate

IRA Savings

What is it?

A guaranteed fixed rate for a specific term. After your certificate matures, you can move it or let it automatically renew with a new fixed rate.

A savings account that earns a variable rate. You aren’t locked into any time frame, so you can enjoy more flexibility.

Who is it for?

Members who want the peace of mind of a steady return on their money.

Members with limited starting funds, or anyone who wants the freedom to move their money around.

Available in?

Traditional and Roth IRAs

Traditional and Roth IRAs

Account minimum?



What are the terms?

Terms from 12 to 60 months

No set terms

Is it insured?

Yes, by the NCUA*

Yes, by the NCUA*

Have a question? Call (818) 238-2900

*Retirement account deposits, including Roth and Traditional IRAs, are insured by the NCUA up to $250,000 per depositor. Learn more about our deposit insurance.

bank on UMe
Back To Top