Certificates
Share Certificates
A Share Certificate is a secure way to grow your money by earning up to 4.34% APY* - higher dividends than other savings accounts.
- A minimum balance of $1,000 to earn competitive dividend rates is required
- Three-month to five-year terms are available
- Interest compounded and earned monthly
- No monthly maintenance fees
IRA (Individual Retirement Accounts)
Different IRA options and see what's best for you to earn for retirement.
- Choose between a Traditional or Roth IRA
- Select a Share Certificate or Savings Account
We recommend you consult with your tax professional for more information on how to reach your retirement goals
Traditional IRA
Traditional IRA contributions can be tax deductible in the year the contributions are made. The taxes on these earnings are deferred until the time of withdrawal. Traditional IRAs are funded with pre-tax dollars.
- $50 opening balance
- Allows contributions each pay period
- Interest compounded and earned monthly
Roth IRA
Roth IRAs allow only non-deductible contributions but feature tax-free withdrawals for certain distribution reasons after a five-year holding period.
- $50 opening balance
- Allows contributions each pay period
- Interest compounded and earned monthly
* APY = Annual Percentage Yield. Federally Insured by NCUA. The deposit yield of 4.34% is based on an interest rate of 4.25% on a 24-month term with a $1,000 minimum deposit. Certificate rates are effective March 3, 2025. Early withdrawal penalties apply. Tulare Federal reserves the right to end or modify special offers at any time.
