Fixed-Rate IRA Certificate of Deposit (CD)

Save for retirement by enjoying the same security of a Certificate of Deposit1 (CD) and the tax advantages of an individual retirement account (IRA) with a Fixed-Rate IRA CD from Security Service Federal Credit Union.

Why Should I Open a Fixed-Rate IRA CD?

Risk-Free Retirement Savings



  • Fixed-rate, earn high interest2 with some of best IRA CD rates in Texas, Utah, and Colorado.
  • Get the tax advantages of a Roth or Traditional IRA.
  • Your IRA CD is insured by the NCUA up to $250,000.


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

Additional Information

  • Early withdrawal penalties apply and may vary by CD 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 CD, if you want the flexibility to withdrawal or deposit money before CD maturity.

Security Service Federal Credit Union Membership3

It's easy to join Security Service Federal Credit Union – there are thousands of ways to qualify!
Join online today when you open a Fixed-Rate IRA CD, or visit a Security Service location in Texas, Colorado, or Utah. 


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

1 Certificates of Deposit (CDs) are Share Certificates.
2 "Interest" referenced in the context of this page refers to "dividends."
3 A share account (either a Security Service Basic Savings Account or a Youth Savings Account) with a $5 balance is required for Security Service Federal Credit Union membership.