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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

    $6,500 if under age 50; $7,500 if age 50 or older

  • Minimum balance

    $100

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

    $6,500 if under age 50; $7,500 if age 50 or older

  • 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.

Get started

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IRA Rates

IRA Savings
IRA Savings

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%

 

IRA Certificates1
IRA Certificates1

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 March 1, 2024.

Term

6 months

Dividend Rate

4.89%

APY2

5.00%

Term

12 months

Dividend Rate

4.17%

APY2

4.25%

Term

24 months

Dividend Rate

3.69%

APY2

3.75%

Term

36 months

Dividend Rate

3.54%

APY2

3.60%

Term

48 months

Dividend Rate

3.45%

APY2

3.50%

Term

60 months

Dividend Rate

3.45%

APY2

3.50%

See all savings rates

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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.

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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

Save for Retirement

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