IRA Share Certificate
Enjoy higher yields, tax-deferred until retirement.
Better rates. Bigger yields. Best terms.
Lock in a great rate, increase your monthly yields, and choose from a variety of terms with an IRA Share Certificate. You’ll earn tax-deferred dividends until you begin making withdrawals when you retire. Have multiple share certificates? Use the Share Insurance Estimator to help determine how to structure them to keep your total balance under NCUA insurance.
- $1,000 minimum balance to open
- One- to five-year terms
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Share Certificate Account Rates
Showing rates for
Effective Date 12/05/2025
*APY = Annual Percentage Yield. All dividend rates and APY may change at any time. The APYs shown above assume that all principal and dividends remain on deposit for the entire term. Fees could reduce earnings on the above accounts. Penalties apply for early withdrawal from Share Certificates. Additional account information is provided in separate Account Disclosures. Funds earn dividends from the first business day of deposit and are compounded daily and posted monthly. Accrued dividends are forfeited if the account is closed prior to monthly dividend posting. Fees or other conditions may reduce earnings.
2 $1,000 Minimum to open account. Must maintain average daily balance of $1,000 to earn the above stated dividend.
3 $25 Minimum to open account. Must maintain average daily balance of $25 to earn the above stated dividend. One withdrawal from the account, with a $25.00 penalty to be assessed at the time of withdrawal, is allowed during the term of the Save to Win® Certificate. If the early withdrawal reduces the principal below the minimum balance or a second withdrawal is performed in the 12-month term, the certificate will be closed. Great Lakes Credit Union will deduct from the share certificate principal amount to cover the penalty. Additional deposits are allowed during the term of this certificate. For every $25.00 increase in month over month balance, the certificate owner will earn one entry (up to 10 entries per month/30 entries per quarter) into the savings raffle. The Savings Promotion Raffle runs January – December, however certificates will mature 12 months after account opening. The Official Rules can be found online at www.savetowin.org and are provided upon opening the certificate.
Promotional Certificates will automatically renew into a standard Certificate at the current standard rate in effect at the time of renewal and term closest in length to the promotional Certificate. Rates are subject to change without notice. Early withdrawal penalties may apply. Please refer to our certificate terms and conditions for full details.
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Disclosure:
1APY = Annual Percentage Yield. All dividend rates and APY may change at any time. The APYs shown above assume that all principal and dividends remain on deposit for the entire term. Fees could reduce earnings on the above accounts. Penalties apply for early withdrawal from Share Certificates. Additional account information is provided in separate Account Disclosures. Funds earn dividends from the first business day of deposit and are compounded daily and posted monthly. Accrued dividends are forfeited if the account is closed prior to monthly dividend posting. Fees or other conditions may reduce earnings.
2$1,000 minimum to open account. Must maintain average daily balance of $1,000 to earn the above stated dividend.
3$25 minimum to open account. Must maintain average daily balance of $25 to earn the above stated dividend. One withdrawal from the account, with a $25.00 penalty to be assessed at the time of withdrawal, is allowed during the term of the Save to Win® Certificate. If the early withdrawal reduces the principal below the minimum balance or a second withdrawal is performed in the 12-month term, the certificate will be closed. Great Lakes Credit Union will deduct from the share certificate principal amount to cover the penalty. Additional deposits are allowed during the term of this certificate. For every $25.00 increase in month over month balance, the certificate owner will earn one entry (up to 10 entries per month/30 entries per quarter) into the savings raffle. The Savings Promotion Raffle runs January – December, however certificates will mature 12 months after account opening. The Official Rules can be found online at www.savetowin.org and are provided upon opening the certificate.
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