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IRA Certificates

Plan ahead today for your future


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.


Lock-In Rates

No matter how long your term, your rates won't change. Earn high, guaranteed dividends over the certificate's lifetime.

Flexible Terms

Choose a term from 6 to 60 months that best suits your needs.

Earn Higher Dividends

Put your money to work and save more for retirement with higher dividends compared to most other savings account options.

Withdrawal Features

Your funds are accessible once the IRA Certificate reaches maturity. There are no penalties if you are 72 years old or older and withdrawing the funds to meet your required minimum distribution. Otherwise, early withdrawal penalties may apply.

Open and Fund in Online Banking

In Desktop, click the Apply & Add tab and select Add Account. In Mobile, tap More, choose Apply & Add, and select Add Account. Choose the IRA Certificate and follow the prompts!

As high as APY
Current Savings
Dividend Rate
Adjust for inflation
Dividends compound monthly. Read assumptions

Total Retirement Savings

Annual Retirement Income

It’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.

— Mark – Longview, WA

How it works

Start saving for retirement with an IRA Certificate in three easy steps:

  • 1

    Contact Us

    Let us know you'd like to open an IRA Certificate.

  • 2

    Choose a term and make initial deposit

    Select the term that works best for your needs and make your first deposit.

  • 3

    Watch Your Savings Grow

    Open additional IRA Certificates to increase your growth potential or make contributions at maturity.

IRA Certificates

Reach your retirement goals

Earn higher dividends with less risk than many other retirement options to make the most of your retirement savings.

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