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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 the Individual Retirement Account (IRA) Certificates, we offer a variety of terms with highly competitive dividends.
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Looking for some of the best rates around with a guaranteed return for your hard earned money? Smart move.
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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 up to $250,000
5 Reasons to Open a CD or IRA Account
- Earn interest on your funds
- Locked in funds
- Build money for your future by investing
- Flexible terms that fit your needs
- 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.
Regular Certificate Rates
| Term | Rate | APY |
| 3 months | 0.15% | 0.15% |
| 6 months | 0.25% | 0.25% |
| 12 months | 0.50% | 0.50% |
| 24 months | 0.75% | 0.75% |
| 36 months | 0.90% | 0.90% |
| 48 months | 1.00% | 1.00% |
| 60 months | 1.20% | 1.21% |
APY= Annual Percentage Yield. Minimum balance to open Regular Certificate $500.00. 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 October 29, 2020. Rates are subject to change without notice.
IRA Certificate of Deposits
Features and Benefits
Consider an IRA from Resource One and invest in your future.
IRAs offer terms between 3 months and 5 years. This high-yield account allows you to lock in your rate of return for depositing $500 for an IRA Certificate. Your funds are federally insured to $250,000.
- Minimum Opening Deposit:
- IRA: $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.
IRA Certificate Rates
| Term | Rate | APY |
| 3 months | 0.35% | 0.35% |
| 6 months | 0.45% | 0.45% |
| 12 months | 0.70% | 0.70% |
| 24 months | 0.95% | 0.95% |
| 36 months | 1.10% | 1.11% |
| 48 months | 1.20% | 1.21% |
| 60 months | 1.40% | 1.41% |
APY= Annual Percentage Yield. Minimum balance to open IRA Certificate is $500.00. 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 October 29, 2020. 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 90 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 $250,000.
- Minimum Opening Deposit: $250
- Monthly Maintenance Fees: $0
- Terms: 3 – 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.
Flex Certificate Rates
| Term | Rate | APY |
| 3 months | 0.15% | 0.15% |
| 6 months | 0.25% | 0.25% |
| 12 months | 0.50% | 0.50% |
| 24 months | 0.75% | 0.75% |
APY= Annual Percentage Yield. Minimum balance to open Flex Certificate $250.00. Any term 3-24 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 October 29, 2020. 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.
Mobile Banking
Access your account information on the go with Resource One's mobile apps. Available for Android and iPhones.
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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Questions? Call us anytime to speak with a specialist.1-800-375-3674
