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Although we each have different dreams about the way we'd like to spend our retirement, we all share the desire to live comfortably and do the things we love. Starting to save early is the key to building a retirement that you can enjoy. 

An IRA is a powerful retirement savings tool. CGFCU offers many IRA services to match your unique needs.

  • IRA Share accounts are the most flexible and liquid forms of IRA. Minimum deposit required is $100.00
  • IRA Share Certificates offer higher rates of return and allow you to choose the terms. IRA Share Certificates are available for Traditional, Roth or Coverdell IRAs. Minimum deposit required is $1,000.00.

IRA Rates

Share Certificate Rates *APR APY
12 Months 0.10% 0.100%
24 Months 0.20% 0.200%
36 Months 0.35% 0.351%
48 Months 0.40% 0.401%
60 Months 0.50% 0.501%

Rates accurate as of 5/1/2013.

If a withdrawal of principal of your IRA account is made prior to the maturity date of the certificate, the early withdrawal penalty is as follows:

·         If the IRA term is 12 months or less:
o   all accrued dividends for the last 90 days

·         If the IRA term is 18 months and greater:
o    all accrued dividends for the last 180 days

Open your own CGFCU IRA with a minimum deposit of $100 to the IRA Share account or $1000 to the IRA Share Certificate. Stop in to our office to apply.

*Rates are subject to change without prior notice


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