CDs and IRAs | FFCU | Fort Financial Credit Union

Choose from a variety of Certificate of Deposit (CD) and Individual Retirement Account (IRA) options for your long-term savings plans.

	Certificates of Deposits	Traditional IRA Share Accounts	Traditional IRA Certificates	Roth IRA Share Accounts	Roth IRA Certificates
Perfect for	Saving money for a set period of time while earning a predictable rate of return	Saving for retirement where earnings grow tax-deferred until withdrawn	Long-term saving for retirement where earnings grow tax-deferred until withdrawn	Saving for retirement where contributions are not tax-deductible	Long-tern saving for retirement where contributions are not tax-deductible
Minimum opening balance	$500	$1	$500	$1	$500
Terms	3 to 60 months	None	12 to 60 months	None	12 to 60 months
Deposits	Not permitted except at maturity	Yes	Yes	Yes	Yes
Withdrawals	A penalty will be incurred if principle is withdrawn before the maturity date.	Yes	Yes	Yes	Yes
Notes		Contributions may be tax deductible. Consult a tax advisor.	Contributions may be tax deductible. Consult a tax advisor.		Regular contributions can be withdrawn tax-free at any time.

Check our Certificate Rates, Savings Rates and Fee Schedule for current rates and applicable fees. Dividends are calculated daily and credited monthly.

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