IRA Certificates

Earn more money. Pay lower taxes. Enjoy life to the fullest.

Planning your retirement finances? Make IRA Certificates part of your portfolio. And then start making a list of things to do with all that extra cash.

Enrich your retirement years

Choice of IRA savings terms

Enjoy tax advantages

Safe, secure investment tool

We all want to age gracefully. Your money can do that, too.

Fine wines and close friendships get better with the passage of time. The same thing can happen with your retirement funds. Instead of sticking them in a regular savings account, deposit them in IRA Certificates of one to three years. You'll earn higher interest returns and also enjoy a wide range of tax benefits.

  • Certificates can be part of Traditional or Roth IRAs
  • Minimum opening deposit of $500
  • High, fixed rates of return
  • Terms range from 12 to 36 months (you can keep renewing your Certificates until its time to retire)
  • With Traditional IRAs, you may be able to take a tax deduction each year you make a deposit
  • With Roth IRAs, all qualified withdrawals are tax-free
  • With both types of IRAs, annual interest and dividend income is tax-exempt
  • No monthly service charge

FAQs

You can close your account with FHCU by filling out the form and faxing it to 775-945-1262 or mailing it to: Financial Horizons Credit Union, PO Box 2288, Hawthorne, NV 89415

Financial Horizons Credit Union is a full-service financial institution with four locations serving the communities of Elko, Fallon, Fernley, Hawthorne, Lovelock, Tonopah, Winnemucca and Yerington, Nevada.

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Save Smarter, Not Harder With a High Yield Savings Account

Make your money work for you with our high-yield savings account that offers competitive rates so your money can grow faster.