Overview
Retirement is expensive, but there are plenty of things you can do to prepare. With an IRA Certificate, you can put your money away and earn higher dividends with less risk compared to other retirement savings options. That way, you’ll be ready to sit back, relax, and enjoy your retirement instead of worrying about your finances.
Rates
View all RatesIt’s more than just a financial institution. It’s based on relationships. You’re not a number, you’re a friend. I go to different tellers and they all know me…I think that’s where it comes down to why we love Fibre.
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1
Contact Us
Let us know you'd like to open an IRA Certificate.
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2
Choose a term and make initial deposit
Select the term that works best for your needs and make your first deposit.
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3
Watch Your Savings Grow
Open additional IRA Certificates to increase your growth potential or make contributions at maturity.
Reach your retirement goals
Earn higher dividends with less risk than many other retirement options to make the most of your retirement savings.
Assumptions
Retirement age
Calculation assumes that the year you retire, you don't make contributions. If you retire at 67, the calculation assumes your last contribution is at 66.
Inflation
Calculation assumes a 2.9% rate of inflation. This is a common measure of inflation in the U.S. is the Consumer Price Index (CPI). From 1925 through 2018 the CPI has a long-term average of 2.9% annually.
Social Security
Social Security benefits are not considered for this calculation. Social Security is based on a sliding scale depending on your income, how long you work and at what age you retire.
Pensions
Pensions are not considered for this calculation.
Rate of return
Interest compounds monthly. The interest rate specified in calculator is used to calculate your return on savings and investments during and after retirement.
Disclosure
Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
All Rates
| Minimum to Open | Minimum Monthly Balance | Minimum to Earn APY | Balance Method | Compounded / Credited | Current Dividend | APY | |
|---|---|---|---|---|---|---|---|
|
6-11 Months |
$500 |
$500 |
$500 |
Daily |
Monthly |
4.35% |
4.44% |
|
12-17 Months |
$500 |
$500 |
$500 |
Daily |
Monthly |
4.16% |
4.25% |
|
18-23 Months |
$500 |
$500 |
$500 |
Daily |
Monthly |
3.97% |
4.05% |
|
24-35 Months |
$500 |
$500 |
$500 |
Daily |
Monthly |
3.77% |
3.84% |
|
36-47 Months |
$500 |
$500 |
$500 |
Daily |
Monthly |
3.57% |
3.63% |
|
48-59 Months |
$500 |
$500 |
$500 |
Daily |
Monthly |
3.36% |
3.42% |
|
60 Months |
$500 |
$500 |
$500 |
Daily |
Monthly |
3.23% |
3.28% |
Rates are effective September 26, 2023 and are subject to change.
Also see terms for accounts.
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| Minimum to Open | Minimum Monthly Balance | Minimum to Earn APY | Balance Method | Compounded / Credited | Current Dividend | APY |
|---|---|---|---|---|---|---|
|
$5 |
$5 |
$50 |
Daily |
Monthly |
0.49% |
0.50% |
Rate is effective September 26, 2023 and is subject to change.
Also see terms for accounts.
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