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Certificates & IRAs

Saving For You & Your Family’s Future

Certificates & Jumbo Certificates

Saving for tomorrow isn’t always something most people think about today. We’re here to help make saving for you and your family’s future easier with our Certificates and Jumbo Certificates (Certificates). We provide you with options to decide what works best for you to be able to put aside money and earn even higher dividends than a traditional savings account. 

Certificates

Asian business woman looking at her phone, smiling, holding a cup of coffeeBest Rate: 1.00% APY¹

Rates based on a set term so you can find the Certificate that best suits your budget and savings timeframe.

  • Competitive dividend rates compounded monthly
  • Terms range from 3 months to 5 years
  • $500 minimum to open for 3-month term
  • Special 13-month term earning 0.70% APY with $5,000 minimum to open
  • Starter Certificates
    • Only $25 minimum to open
    • 12 & 24-Month term options
    • Deposit more anytime

Get started today, give us a call at 303.239.1150 | 800.279.3288. We’ll be happy to help!

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Jumbo Certificates

African American woman working on her laptopBest Rate: 0.60% APY¹

Jumbo Certificates offer the flexibility of shorter term options and higher rates for higher balances.

  • Competitive dividend rates compounded monthly
  • Terms range from 30 days to 1 year
  • $50,000 minimum deposit

Get started today, give us a call at 303.239.1150 | 800.279.3288. We’ll be happy to help!

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Individual Retirement Accounts (IRAs) and IRA Certificates

An Individual Retirement Account (IRA) is a great way to save for your future retirement goals with possible tax advantages.² Whatever your plans for retirement may be, we can help make them a reality with an IRA.

Individual Retirement Account (IRA)

Elderly man and woman smiling at each otherBest Rate: 1.00% APY¹ 

We offer both Traditional IRAs and Roth IRAs. With Traditional IRAs, you deduct contributions now and pay taxes on withdrawals later. With Roth IRAs, you pay taxes on contributions now and get tax-free withdrawals later. 

Learn more about IRAs and savings for retirement with our Education platform: “It’s a Money Thing.” 

  • Daily deposit IRA options
  • IRA Certificate of Deposit options
  • Terms range from 6 months to 7 years for IRA Certificates
  • $1,000 minimum deposit for IRA Certificates

Get started today, give us a call at 303.239.1150 | 800.279.3288. We’ll be happy to help!

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Investment & Retirement Center 

We also offer our credit union members a dedicated Wealth Management professional to take a fresh look at your investment strategies. Learn more about the Investment & Retirement Center Located at Credit Union of Denver.

Meet our Advisor!

Investment & Retirement Center Located at Credit Union of Denver

Shelley Hertel AAMS®, CRPC®

Financial Advisor  303.239.1179
Shelley.hertel@lpl.com

Securities are offered through LPL Financial (LPL), a registered broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. Investment advice offered through Western Wealth Management, a registered investment adviser and separate entity from LPL. Credit Union of Denver and Investment & Retirement Center Located at Credit Union of Denver are not registered as a broker-dealer or investment adviser. Registered Representatives of LPL offer products and services using Investment & Retirement Center Located at Credit Union of Denver, and may also be employees of Credit Union of Denver. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of Credit Union of Denver or Investment & Retirement Center Located at Credit Union of Denver. Securities and insurance offered through LPL or its affiliates are:

Not insured by NCUA or any other government agency

No credit union guarantee

Not credit union deposits or obligations

May lose value

The LPL Financial registered representatives associated with this website may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.


Education Savings Accounts(ESA) 

IRA/Coverdell ESA

Coverdell IRA/ESAs - these accounts let you contribute up to $2,000 per year for each child. Your contributions are not tax deductible, but your principal and earnings will not be subject to tax when you withdraw the funds for education expenses. Funds can also be transferred from one child’s account to another child’s account within the family.

Get started today, give us a call at 303.239.1150 | 800.279.3288. We’ll be happy to help!

View Rates

This Video explains the many different ways to invest.

¹ APY = Annual Percentage Yield. The APY rate is variable and calculated on the dividend/interest rate and frequency of compounding over an annual period. Rates are Current as of 08/01/2021.

² All IRA products and Education Savings Accounts are subject to eligibility requirements as required by the I.R.S. Consult a tax advisor for options and tax advantage qualifications for IRAs. For more details visit www.irs.gov.

Fees could reduce earnings on the account. Early withdrawal penalties may apply on Certificates and Individual Retirement Accounts. Federally Insured by NCUA.