Saratogas Community FCU

Certificates of Deposit and IRAs

Term Share Certificates

What terms are available?

12 month, 24 month, 36 month or 48 month terms available

What’s the minimum deposit?

$1,000.00

What about rates?

Current rates are subject to change without notice. Penalty for early withdrawal.

Term APY
12 month 0.10%
24 month 0.15%
36 month 0.25%
48 month 0.40%

Individual Retirement Accounts

What type of IRAs?

Both Traditional and Roth are available*

*All IRA accounts, contributions and withdrawals are subject to government regulations

What IRA deposit options are available?

IRA Savings and IRA Term Share Certificates of Deposit: 12 month, 24 month, 36 month or 48 month terms available

Term APY
Ongoing 0.05%
12 month 0.10%
24 month 0.15%
36 month 0.25%
48 month 0.40%