Individual Retirement Accounts (IRAs)
IRAs are a great way to ensure that you retire with confidence. In order to live the lifestyles we all dream about, you should start planning today.
CPM Federal Credit Union knows the importance of early planning. We offer several options to meet your financial needs.
To learn more about IRA rules and regulations, please visit the IRS website.
Share Certificates
| Description | Term | Dividend Rate | APY |
|---|---|---|---|
| 1-5 months | 1.00% | 1.00% | |
| 6-11 months | 3.35% | 3.39% | |
| 12-23 months | 3.75% | 3.80% | |
| 24-35 months | 3.55% | 3.60% | |
| 36-47 months | 3.35% | 3.39% | |
| 48-59 months | 3.10% | 3.14% | |
| 60+ months | 3.10% | 3.14% | |
| Youth and Young Adult Savings Certificates | 3 month | 1.00% | 1.00% |
| 6 month | 3.35% | 3.39% | |
| 12 month | 3.75% | 3.80% | |
| 24 month | 3.55% | 3.60% | |
| Share Certificates (IRA) | 1-5 months | 1.00% | 1.00% |
| 6-11 months | 3.35% | 3.39% | |
| 12-23 months | 3.75% | 3.80% | |
| 24-35 months | 3.55% | 3.60% | |
| 36-47 months | 3.35% | 3.39% | |
| 48-59 months | 3.10% | 3.14% | |
| 60+ months | 3.10% | 3.14% | |
| Share IRA | 0.40% | 0.40% | |
| Kickstart IRA** | 12 months | 3.75% | 3.80% |
APY = Annual Percentage Yield
Early withdrawal penalties may apply. At maturity, account is subject to automatic renewal at the rate then in effect for that term. --Dividends compounded quarterly. Fees could reduce earnings on the account.
For IRA certificates: Dividends compounded quarterly, certificate minimum balance to earn dividends is $250.00, minimum deposit to open $250.00. with a max of $250,000.00.
**Kickstart IRA needs minimum $100.00 to open with a max of $250,000.00. Subsequent deposits allowed.
Annual Percentage Yields are current of 06/18/2025 and subject to change.