Individual Retirement Accounts (IRAs)

What is it?

An Individual Retirement Account, or IRA, makes saving for retirement easy with a Roth or Traditional account. You can invest in either a Share or CD IRA, depending on how you want to make contributions. Discuss your retirement savings goals with our IRA specialists to determine what kind of account best suits your needs.


What does it come with?

An IRA Share or CD comes with our competitive savings rates. If you choose a CD, you can add a .25% Member Bonus when you have an active Checking Account, any FFCU loan, or a Direct Deposit.



Certificate Rates – Effective Saturday, May 23, 2015
Certificate Term APY Minimum Deposit
12 MONTH CERTIFICATE 0.250% $1,000.00
12 MONTH CERTIFICATE 0.500% $5,000.00
18 MONTH CERTIFICATE 0.500% $1,000.00
18 MONTH CERTIFICATE 1.000% $5,000.00
24 MONTH CERTIFICATE 0.500% $1,000.00
24 MONTH CERTIFICATE 1.000% $5,000.00
36 MONTH CERTIFICATE 0.500% $1,000.00
36 MONTH CERTIFICATE 0.750% $5,000.00
48 MONTH CERTIFICATE 0.750% $1,000.00
48 MONTH CERTIFICATE 1.000% $5,000.00


How do I get one?

Bring a valid photo ID to a branch and fill out the IRA application with a Member Service Representative. They’ll be happy to answer any of your questions and walk you through the paperwork for a new IRA or a transfer from another institution