IRA Choice Certificates

Choose steady, predictable growth for your retirement savings with tax-advantaged IRA Choice Certificates.

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Retired couple traveling the world thanks to Civic's competitive rate IRA Choice Certificates

Predictable

Lock in a competitive rate with IRA Choice Certificates

Save

Choose Traditional IRA or Roth IRA with terms between 6 and 60 months

Reinvest

Compounded dividends for maximum growth¹

What are retirement certificates of deposit?

Your retirement savings just got a glow up. You may be familiar with certificates of deposit or CDs. As a credit union, we call them Choice Certificates. For your retirement, they are IRA Choice Certificates, and they give you steady, predictable growth with tax advantages.¹

IRA Choice Certificates reinvest your compounded dividends so more of your money stays working for you. The two Civic IRA Choice Certificate options are a Traditional IRA, which is tax-deferred, and a Roth IRA which grows tax-free. Both have tax advantages and guaranteed growth. You choose the available term between 6 and 60 months and fund the account to secure your IRA Choice Certificate.

We are talking stable savings options that are not investments or correlated to the stock market. No market worries, just steady growth on your terms. Choose a Civic IRA Choice Certificate for your retirement planning and get guaranteed savings growth that is NCUA insured up to $250,000.

Retired woman enjoying her family by the lake, all thanks to her Civic IRA Choice Certificates

Terms

Must have a Civic IRA Savings Account and a Select Savings Account
Minimum deposit of $250
Terms between 6 and 60 months
Early termination penalty applies
Monthly compounded dividends required to be reinvested

Features

Flexible IRA Choice Certificate terms
Compounded dividends to help you save more for retirement
Fixed, competitive rates
Low minimum deposit

Choose IRA Choice Certificates for guaranteed tax-free or tax-deferred retirement saving

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IRA Choice Certificate

Competitive certificate rates meet tax-advantaged IRAs

0	IRA Choice Certificate	Dividend Rate	APY¹	Term	Min. Deposit
1	IRA Choice Certificate 6	4.02%	4.10%	6 months	$250
2	IRA Choice Certificate 12	4.26%	4.35%	12 months	$250
3	IRA Choice Certificate 18	4.26%	4.35%	18 months	$250
4	IRA Choice Certificate 24	4.31%	4.40%	24 months	$250
5	IRA Choice Certificate 36	4.36%	4.45%	36 months	$250
6	IRA Choice Certificate 48	3.78%	3.85%	48 months	$250
7	IRA Choice Certificate 60	3.78%	3.85%	60 months	$250

Rates and terms vary based on Certificate chosen. | APY = Annual Percentage Yield | Effective Date: 10/15/2025

IRA contribution limits

Maximize your contribution

0		Traditional IRA	Roth IRA
1	Contribution Limits - under age 50	$7,000	$7,000
2	Contribution Limits - age 50 and older	7,000 + $1,000 catch-up	$7,000 + $1,000 catch-up

Limits set by IRS
Tax year 2025

Open your IRA

Open your Roth or Traditional IRA Choice Certificate through our partner, Ascensus, and a Civic representative will be in touch to work with you through the process.

For the best member experience, apply using online banking on a desktop or laptop computer.

1. Join Civic

2. Apply in online banking

3. Contact our Experience Center

Traditional IRA

Retirement savings with tax advantages

$25 minimum to open
Contribute up to $7,000 per year
Get tax-deferred growth
Full or partial tax deduction for contributions

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Roth IRA

Retire strong, tax-free

Open a Roth IRA savings account for retirement so your contributions and dividends can grow tax-free.

$25 minimum deposit and monthly balance to avoid maintenance fee
Dividends are compounded monthly and paid out monthly
Ongoing deposits to your Roth IRA are not required
Annual contributions up to $7,000, or $8,000 for members 50+ years old

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You know the details matter (and you are in good company)

Here are a few FAQs

Can I withdraw my money before my certificate matures?

Yes, but if you elect to withdraw your deposit before the certificate matures, there is a penalty. You’ll forfeit 90 days’ interest for terms 12 months or less or 180 days’ interest for all other terms.

What are my options when my certificate matures?

If you haven’t already issued instructions to us, we will contact you and ask for your direction prior to the maturation of your certificate. You may choose to auto-renew your principal (and any dividends earned) at the updated rate for the same term, or you can elect to transfer the funds to another account during the 10-day grace period.

Why would I choose an IRA CD as a retirement account?

An IRA CD is a good fixed-income account to add to your retirement portfolio if you prefer a tax-advantaged account with low risk and modest growth that’s not dependent on the stock market. But there are IRS-imposed contribution limitations, so check with your tax adviser to see if an IRA CD could be right for you.

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Open a retirement IRA Choice Certificate to get guaranteed, steady, tax-advantaged growth

Give your retirement savings a glow up with a Civic Traditional IRA Choice Certificate or a Civic Roth IRA Choice Certificate. Choose terms between 6 and 60 months with competitive rates to match. No market worries, just steady and guaranteed growth.

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1 APY = Annual Percentage Yield. Minimum deposit is $250. Civic IRA Savings and Civic Select Savings accounts required. Fixed-rate account; dividends are compounded monthly and paid monthly into the IRA Certificate account. Penalty imposed for early withdrawal, excluding Required Minimum Distributions. This is a Share IRA account and is not an investment account. Consult a financial advisor or tax professional for additional guidance.