Let’s think about tomorrow
At Clearwater Credit Union, we know that planning for retirement can be complicated — you want to know you’re saving enough for a comfortable future. We can help you get there.
Help Me Choose
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Best if you want
Best if you want
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Access to savings
Access to savings
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Annual contribution limits
Annual contribution limits
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Minimum balance
Minimum balance
Traditional IRA Share
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Best if you want
Save now tax-free, pay taxes at a lower bracket when you withdraw
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Access to savings
Withdraw funds as taxable income: 1) with penalty under age 59½; 2) penalty-free at age 59½ or older
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Annual contribution limits
$6,500 if under age 50; $7,500 if age 50 or older
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Minimum balance
$100
Roth IRA Share
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Best if you want
Pay taxes now, earn higher dividends over the life of the account
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Access to savings
Withdraw earnings tax-free at age 59½ or older; pay taxes on earnings with early withdrawal
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Annual contribution limits
$6,500 if under age 50; $7,500 if age 50 or older
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Minimum balance
$100
IRA Certificates
Want to make your IRA funds work even harder for you? IRA Certificates offer specific maturities and higher rates, so your retirement dollars can grow faster.
IRA Rates
|
Dividend Rate |
APY2 |
|---|---|
|
1 $100 Minimum Balance. 2 APY = Annual Percentage Yield. Fees may reduce earnings. The rates and terms shown are effective as of December 2, 2020. |
|
|
Dividend Rate 0.05% |
APY2 0.05% |
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Term |
Dividend Rate |
APY2 |
|---|---|---|
|
1 $100 Minimum Balance. 2 APY = Annual Percentage Yield. Fees may reduce earnings. Early withdrawal penalties may apply to certificate accounts. The rates and terms shown are effective as of September 1, 2023. |
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|
Term 6 months |
Dividend Rate 4.41% |
APY2 4.50% |
|
Term 12 months |
Dividend Rate 3.20% |
APY2 3.25% |
|
Term 24 months |
Dividend Rate 2.96% |
APY2 3.00% |
|
Term 36 months |
Dividend Rate 2.72% |
APY2 2.75% |
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Term 48 months |
Dividend Rate 2.47% |
APY2 2.50% |
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Term 60 months |
Dividend Rate 2.47% |
APY2 2.50% |
Retirement 101 with Corebridge Financial Advisors
Our credit union partners with Corebridge Financial, the leading provider of retirement plans for public schools (K-12), higher education, healthcare, government, and other not-for-profit institutions. Thanks to Corebridge Financial, we can give our members financial advice right from our branches.
Take advantage of your credit union membership and explore the investment and insurance programs that Corebridge has tailored to fit our savings plans.
What’s on Your Mind?
- Asset Allocation
- Brokerage/Cash Management Accounts
- Disability Insurance
- Financial Planning
- Fixed And Variable Annuities
- Insurance Planning
- Investment Planning
- Life Insurance
- Long-Term Care Insurance
- Mutual Funds
- Retirement Planning
- Employee Retirement Plans for Small Businesses
