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Certificates and IRA’s

They say time is money. With Resource One’s Certificates of Deposit (CD’s) and IRA Certificates, investing a little bit of time can help you make the most of your money. In addition to Individual Retirement Account (IRA) Certificates, we offer a variety of terms with highly competitive dividends.

 

CD & IRAs

Open Your CD or IRA Today

Looking for some of the best rates around with a guaranteed return for your hard earned money? Smart move.

Resource One CD and IRA Accounts

Let us help you make the most of your money. By investing your money into a fixed rate CD or IRA you can guarantee you are earning competitive dividends.

Benefits Include

  • Dividends earned on balances
  • A variety of terms to fit your needs
  • Ability to customize and structure your CD or IRA to make the most of your money
  • Federally insured by NCUA to at least $250,000

5 Reasons to Open a CD or IRA Account

  1. Earn interest on your funds
  2. Locked in funds
  3. Build money for your future by investing
  4. Flexible terms that fit your needs
  5. Low risk investment

Regular Certificates of Deposits (CDs)

Features and Benefits

Seeking another low-risk financial investment to build up your savings? Then consider a Certificate or IRA from Resource One and watch your money grow.

With terms between 3 months and 5 years, this high-yield account allows you to lock in your rate of return for depositing a minimum of $500 for a regular certificate and $1,000 for an IRA Certificate. Your funds are federally insured to at least $250,000.

  • Minimum Opening Deposit: Regular CD: $500
  • Monthly Maintenance Fees: $0
  • Terms: 3 – 60 months
  • Transaction Limits: All CDs and IRAs are subject to a penalty for early withdrawal and fees may reduce earnings.
  • Federally insured up to at least $250,000.

Call 800-375-3674 to open

Regular CD Rates

Term Rate APY
3 months 0.20% 0.20%
6 months 0.30% 0.30%
12 months 0.35% 0.35%
18 months 0.45% 0.45%
24 months 0.60% 0.60%
30 months 0.80% 0.80%
36 months 0.90% 0.90%
48 months 1.24% 1.25%
60 months 1.74% 1.75%

APY= Annual Percentage Yield. Minimum balance to open Regular CD $500. Fees could reduce earnings on the account. A penalty will or may be imposed for early withdrawal of funds prior to the maturity date and fees may reduce earnings. Rates as of January 17, 2017. Rates are subject to change without notice.

Jumbo Certificates of Deposits (CDs) and IRAs

Features and Benefits

Consider a Certificate or IRA from Resource One and watch your money grow.

Jumbo CDs and IRAs offer terms between 3 months and 5 years. This high-yield account allows you to lock in your rate of return for depositing a minimum of $90,000 for a jumbo certificate and $1,000 for an IRA Certificate. Your funds are federally insured to at least $250,000.

  • Minimum Opening Deposit:
    • Jumbo CD: $500
    • IRA: $1,000
  • Monthly Maintenance Fees: $0
  • Terms: 3 – 60 months
  • Transaction Limits: All CDs and IRAs are subject to a penalty for early withdrawal and fees may reduce earnings.
  • Federally insured up to at least $250,000.

Call 800-375-3674 to open

Jumbo CD and IRA Rates

Term Rate APY
3 months 0.20% 0.20%
6 months 0.30% 0.30%
12 months 0.35% 0.35%
18 months 0.45% 0.45%
24 months 0.60% 0.60%
30 months 0.80% 0.80%
36 months 0.90% 0.90%
48 months 1.24% 1.25%
60 months 1.74% 1.75%

APY= Annual Percentage Yield. Minimum balance to open Jumbo CD $90,000. Minimum balance to open IRA $500. Fees could reduce earnings on the account. A penalty will or may be imposed for early withdrawal of funds prior to the maturity date and fees may reduce earnings. Rates as of January 17, 2017. Rates are subject to change without notice.

Flex Certificates of Deposits (CDs)

Features and Benefits

Make even more money with a Certificate of Deposit offering higher interest rates than a regular savings account. Minimum deposit is $250, and you can pick a flexible term from 30 days to two years. You can add money to the Share Certificate at any time, increasing your balance with each deposit! Your funds are federally insured to at least $250,000.

  • Minimum Opening Deposit: $250
  • Monthly Maintenance Fees: $0
  • Terms: 1 – 24 months
  • Transaction Limits: All CDs and IRAs are subject to a penalty for early withdrawal and fees may reduce earnings.
  • Federally insured up to at least $250,000.

Call 800-375-3674 to open

Flex CD Rates

Term Rate APY
3 months 0.20% 0.20%
6 months 0.30% 0.30%
12 months 0.35% 0.35%
18 months 0.45% 0.45%
24 months 0.60% 0.60%

APY= Annual Percentage Yield. Minimum balance to open Flex CD $250. Any term 1-24 months. Fees could reduce earnings on the account. A penalty will or may be imposed for early withdrawal of funds prior to the maturity date and fees may reduce earnings. Rates as of January 17, 2017. Rates are subject to change without notice.

Included Features and Benefits

All of our CD and IRA accounts come with a variety of standard features and benefits.

Online Banking

From paying bills to transferring money, you can do what you want, when you want with Resource One's Online Banking.

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Mobile Banking

Access your account information on the go with Resource One's mobile apps. Available for Android and iPhones.

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My Money Manager

Use My Money Manager to manage all of your accounts in one place. Track your spending, set goals and more!

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eStatements

Why wait for the mail when you can receive your statements electronically? eStatements are at your fingertips on the first day of every month, they're safer and more secure than traditional mailings, and they're free.

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Mobile Deposit

If you can take a picture, you can deposit your check. Seriously. Deposit checks anytime, anywhere, simply by snapping a photo with your smartphone or tablet.

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eAlerts

Monitor your account 24/7 by creating customized text and email alerts. These alerts can be based on balances, approvals, transactions and more.

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