Build a Better Future with an IRA Certificate

Simple. Safe. Smart for your retirement.
Saving for retirement doesn’t have to be complicated or risky. An IRA Certificate gives you a steady, low-stress way to grow your savings—and feel good about your financial future while you’re at it.

Why people love IRA Certificates:

  • Guaranteed growth

You lock in a fixed rate for a set term—so you always know exactly what to expect.
 

  • Tax perks

Whether you go with a Traditional or Roth IRA, you'll enjoy tax-deferred or even tax-free growth. That’s more money staying in your pocket.
 

  • No market drama

Unlike stocks or mutual funds, IRA Certificates aren’t affected by market ups and downs. Your money stays safe and steadily growing.
 

  • Pick your timeline

Choose a term that works for you—short or long—and we’ll help you stay on track.
 

  • Boosts your financial wellness

Knowing your retirement savings are growing (without surprises) adds peace of mind today and confidence for tomorrow.

 

Is this the right move for you?

If you're looking for a no-fuss way to build your retirement savings with less risk, an IRA Certificate is a great option—especially if you like the idea of guaranteed returns and simple planning.

Ready to start saving smarter?


Check out our latest rates and see how an IRA Certificate can help you feel more confident about your financial future.
 
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If you meet our eligibility requirements and get your savings goals on track.

Resources for success.

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Disclaimers

Membership eligibility required. Minimum ongoing balance of $5 is required in a UVA Community Credit Union Share Savings Account.