Clearwater’s retirement accounts offer you insured, long-term savings options along with the satisfaction of knowing your deposits are making a positive social and environmental impact.
Open Account
Use pre-tax dollars to save for retirement with our Traditional IRA Share account. Make pre-tax contributions up to annual limits, and you pay taxes when you withdraw money in the future.
With our Roth IRA Share account, you save for retirement with after-tax dollars. Pay your taxes now, and your earnings grow tax-free. Plus, qualified withdrawals are also tax- and penalty-free.
If you’re looking for a low-risk way to grow your retirement savings, our Traditional IRA CDs give you the features of a CD with the tax advantages of an IRA. You pick the term and earn dividends tax-free until you begin withdrawals in retirement.
APY = Annual Percentage Yield. Rates effective as of
| CD | Min | Max | APY | Rate | Interest Accrues | Dividends Paid |
|---|---|---|---|---|---|---|
| 6-Month | $100 | —— | 3.75% | 3.69% | Daily | Monthly |
| 12-Month | $100 | —— | 3.50% | 3.44% | Daily | Monthly |
| 24-Month | $100 | —— | 3.20% | 3.15% | Daily | Monthly |
| 24-Month Energy Resilience | $100 | —— | 3.20% | 3.15% | Daily | Monthly |
| 36-Month | $100 | —— | 3.00% | 2.96% | Daily | Monthly |
| 48-Month | $100 | —— | 3.00% | 2.96% | Daily | Monthly |
| 60-Month | $100 | —— | 3.00% | 2.96% | Daily | Monthly |
| SmartSaver Youth¹ | $100 | $1,000 | 5.00% | 4.89% | Daily | Monthly |
Early withdrawal penalties may apply to all CDs. Fees may reduce earnings.
Roth IRA CDs are another low-risk option to grow your retirement savings with after-tax dollars. Choose the term and earn dividends tax-free. Plus, qualified withdrawals are also tax- and penalty-free.
APY = Annual Percentage Yield. Rates effective as of
| CD | Min | Max | APY | Rate | Interest Accrues | Dividends Paid |
|---|---|---|---|---|---|---|
| IRA Savings¹ | $100 | —— | 0.05% | 0.05% | Daily | Monthly |
| 6-Month IRA CD | $100 | —— | 3.75% | 3.69% | Daily | Monthly |
| 12-Month IRA CD | $100 | —— | 3.50% | 3.44% | Daily | Monthly |
| 24-Month IRA CD | $100 | —— | 3.20% | 3.15% | Daily | Monthly |
| 36-Month IRA CD | $100 | —— | 3.00% | 2.96% | Daily | Monthly |
| 48-Month IRA CD | $100 | —— | 3.00% | 2.96% | Daily | Monthly |
| 60-Month IRA CD | $100 | —— | 3.00% | 2.96% | Daily | Monthly |
Early withdrawal penalties may apply to all CDs. Fees may reduce earnings.