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Term Share Certificate IRA. Elderly couple on a hike.

Individual Retirement Account (IRA) Term Share Certificates are longer-term investments used for retirement planning. You can contribute pre-tax or after-tax dollars. Generally, funds in a Traditional IRA are not taxed until they are distributed.  

Features and Benefits
  • Tiered, fixed dividend rates
  • $1,000 minimum to open certificate
  • Flexible terms from 3 months to 5 years
  • Dividends compounded daily and credited monthly
  • Funds available at maturity1
  • No monthly service fees
  • Statements sent quarterly


What to Expect

Establishing an IRA Term Share Certificate is a great decision for your financial future. To do so, you can visit any CFE branch and speak with a member service representative. You will need to be a CFE member in good standing to establish an IRA Term Share Certificate. CFE recommends you speak with a financial advisor when making any decision regarding investments and your retirement.


Learn more about Term Share Certificates with CFE.  

Planning for Retirement

1Substantial penalty for early withdrawal.

Consult your tax professional for more information about Term Share Certificate IRAs.


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