Fixed-Rate IRA Certificate

Save for retirement by enjoying the same security of a Certificate1 and the tax advantages of an individual retirement account (IRA) with a Fixed-Rate IRA Certificate from Security Service Federal Credit Union.


Fixed Rate IRA Certificate



Why Should I Open a Fixed-Rate IRA Certificate?


Risk-Free Retirement Savings

  • Fixed-rate, earn high interest2 with some of best IRA Certificate rates in Texas, Utah, and Colorado
  • Get the tax advantages of a Roth or Traditional IRA



  • Open for as little as $500, $25,000 for Jumbo rates
  • Certificate terms from 3 months to 7 years
  • No account fees
  • Interest accrued daily, paid monthly. Added earned interest back to a certificate's balance or transfer it to a Security Service savings or checking account.


Additional Information

  • Early withdrawal penalties apply and may vary by certificate term
  • IRA funds cannot be co-mingled with regular savings or non-IRA funds


Want Penalty-Free Access to Your Money?

Consider opening a Future Builder Certificate, if you want the flexibility to withdraw or deposit money before certificate maturity.


Want Your Account to Do More?

Would you like to earn interest and gain access to identity theft protection, smartphone coverage, etc.? Compare our feature-rich Power Protected Checking to a traditional Share Certificate account.


Not a Security Service Member?

There are thousands of ways to qualify for membership.

Find out if you qualify in the first step of the application or stop by one of Security Service's branches  in Colorado, Texas, and Utah.

Must meet membership requirements and must open and maintain a Security Service Savings account (either a Security Service Basic Savings Account or a Youth Savings Account) with a $5 balance.




For complete details, refer to the   Deposit Terms and  Truth in Savings.

  1. Certificates are Share Certificates.
  2. "Interest" referenced in the context of this page refers to "dividends."