Explore Products Go to main content SIGN IN IRA Certificates Lock it down and let it grow. Start saving and earning monthly dividends today with Share and IRA Certificates from Arrowhead. Our flexible terms and no annual fees mean you can ladder your investments however you like. CERTIFICATES DISPLAY SUBMENU HIDE SUBMENU FEATURES HELPFUL TIPS RATES & FEES FAQ & LINKS GET IT Features Open with as little as $1,000 No annual maintenance fee Terms available from 12-60 months Competitive dividend rates Your rate is fixed and guaranteed Get the security of a certificate with the tax advantages of an IRA Ability to transfer funds from other plans Federally insured up to $250,000 GET IT *APY=Annual Percentage Yield. Applies to IRA Certificates only. Certificates subject to early withdrawal fee. Full terms and conditions available in a branch. $1,000 minimum deposit required. Programs and rates are subject to change daily without notice. Does not apply to business accounts. Helpful Tips Each year on your maturity date, you have 10 days to roll your funds over into a different IRA Certificate. Compare our IRA Certificate dividend rates to that of Traditional and Roth rates to see if you have greater earning potential with a certificate. Transfer funds from other plans into an IRA Certificate. Don’t forget your IRA Certificate may be tax deductible, consult your tax advisor. Rates & Fees Effective Date: November 25, 2021 Minimum Deposit 12 Month APY* 24 Month APY* 36 Month APY* 48 Month APY* 60 Month APY* $1,000 0.35% 0.50% 0.65% 1.00% 1.35% $25,000 0.35% 0.50% 0.65% 1.00% 1.35% $100,000 0.40% 0.55% 0.70% 1.05% 1.40% Fee Annual Maintenance Fee $0 Withdrawal made when account has not matured Equals to 90-180 days of dividends *Annual Percentage Yields (APY). Certificates subject to early withdrawal fee. Programs and rates are subject to change daily without notice.This is not a complete disclosure. Terms and conditions available at a branch. $1,000 minimum deposit for IRA Certificate. Not available for business accounts. FAQ & Links + Why is an IRA Certificate different than a Traditional or Roth IRA? + When can I withdraw from my IRA Certificate? Related Links Dividend Checking Arrowhead Savings Money Market Investments *APY=Annual Percentage Yield. Applies to IRA Certificates only. Certificates subject to early withdrawal fee. Full terms and conditions available in a branch. $1,000 minimum deposit required. Programs and rates are subject to change daily without notice. Does not apply to business accounts. *Annual Percentage Yields (APY). Certificates subject to early withdrawal fee. Programs and rates are subject to change daily without notice.This is not a complete disclosure. Terms and conditions available at a branch. $1,000 minimum deposit for IRA Certificate. Not available for business accounts. Go to main navigation Careers | About | (800) 743-7228 | Privacy | Routing # 322282603 | Site Feedback | Discounts This Credit Union is federally-insured by the National Credit Union Administration. We do business in accordance with the Fair Housing Law and Equal Credit Opportunity Act. NMLS #763460 If you are using a screen reader or other auxiliary aid and are having problems using this website, please call (800) 743-7228 for assistance. All information available on this website is also available at any of our branches.