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Plan your retirement with an Individual Retirement Account at Christian Financial. Choose from our IRA Savings or a high-yield IRA Term Share Certificate.

Dividends on our IRA Savings are calculated by the daily balance method and will be compounded and credited quarterly. The dividend period is quarterly and determined by the Board of Directors. You must maintain a minimum balance of $1,000.00 to obtain the disclosed annual percentage yield.

Dividends on our IRA Term Share Certificates are compounded and credited monthly. With a minimum of only $1,000 to open, you can build your way to retirement security.

Use our savings calculators learn more about your savings options.


Effective August 12, 2020

IRA Certificates

Term Dividend Rate APY* Minimum Balance
12 Month 0.598% 0.60% $1,000
18 Month 0.648% 0.65% $1,000
24 Month 0.747% 0.75% $1,000
36 Month 1.045% 1.050% $1,000
48 Month 1.193% 1.20% $1,000
60 Month 1.490% 1.50% $1,000

*APY = Annual Percentage Yield. All rates are subject to change without notice. Contact a CFCU Financial Service Representative for full details.

Savings Service Charges

Excessive withdrawals on a Money Market account
(more than 6 withdrawals per month)
$3.00 per item
HSA set-up fee $20.00
IRA Savings inactivity fee (reviewed for activity between January 1 and December 31 each calendar year), effective for accounts with a balance less than $1,000.00 $40.00
IRA Certificate & IRA Savings closeout charge $25.00

See our Fee Schedule for other fees that may be assessed with your savings account.

Contact Us

Call us at 586.772.6330
Send us an email