Retirement Savings Accounts

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

Best if you want

Best if you want
Access to savings

Access to savings
Annual contribution limits

Annual contribution limits
Minimum balance

Minimum balance

Traditional IRA Share

Best if you want

Save now tax-free, pay taxes at a lower bracket when you withdraw
Access to savings

Withdraw funds as taxable income: 1) with penalty under age 59½; 2) penalty-free at age 59½ or older
Annual contribution limits

$5,500 if under age 50; $6,500 if age 50 or older
Minimum balance

$5

Roth IRA Share

Best if you want

Pay taxes now, earn higher dividends over the life of the account
Access to savings

Withdraw earnings tax-free at age 59½ or older; pay taxes on earnings with early withdrawal
Annual contribution limits

$5,500 if under age 50; $6,500 if age 50 or older
Minimum balance

$5

Open an Account

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.

Get started

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IRA Rates

IRA Savings

IRA Savings
Dividend Rate	APY¹
¹ APY = Annual Percentage Yield. Fees may reduce earnings. The rates and terms shown are effective as of December 2, 2020.
Dividend Rate 0.05%	APY¹ 0.05%

IRA Certificates¹

IRA Certificates¹
Term	Dividend Rate	APY²	Engaged Member³ Dividend Rate	Engaged Member APY²
¹ $5 Monthly fee if the balance is below minimum $1,000. ² APY = Annual Percentage Yield. Fees may reduce earnings. Early withdrawal penalties may apply to certificate accounts. ³ Engaged membership – loan balance, active debit or credit card, ACH activity or 5 deposits/checks in last 60 days on checking account. The rates and terms shown are effective as of March 1, 2023.
Term 6 months	Dividend Rate 0.50%	APY² .50%	Engaged Member³ Dividend Rate 1.00%	Engaged Member APY² 1.00%
Term 12 months	Dividend Rate 0.75%	APY² 0.75%	Engaged Member³ Dividend Rate 1.24%	Engaged Member APY² 1.25%
Term 24 months	Dividend Rate 1.00%	APY² 1.00%	Engaged Member³ Dividend Rate 1.49%	Engaged Member APY² 1.50%
Term 36 months	Dividend Rate 1.00%	APY² 1.00%	Engaged Member³ Dividend Rate 1.49%	Engaged Member APY² 1.50%
Term 48 months	Dividend Rate 1.24%	APY² 1.25%	Engaged Member³ Dividend Rate 1.74%	Engaged Member APY² 1.75%
Term 60 months	Dividend Rate 1.24%	APY² 1.25%	Engaged Member³ Dividend Rate 1.74%	Engaged Member APY² 1.75%
Term 7 month special	Dividend Rate 3.93%	APY² 4.00%	Engaged Member³ Dividend Rate 4.41%	Engaged Member APY² 4.50%

See all savings rates

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

More about Corebridge

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