IRA Certificates

A reliable way to grow your savings

Make a steady investment in your future with an IRA Certificate

Today's Rates1

APY as high as2


If you’ve got a plan for your future, you might have an IRA already. An IRA Certificate invests the funds that would normally go into a mixture of stocks, bonds, and mutual funds into a Certificate account instead. This gives you a rate of return you can rely on, since you know ahead of time what it will be. 

Ready to grow your money without all the worry that comes with many other forms of investment? Contact us or find a branch near you to open an account.

Jumpstart your IRA with a certificate

With any Global Credit Union Certificate IRA, you can: 

  • Open an IRA Certificate with a minimum balance of $500.
  • Supplement your other retirement savings and investments. 
  • Roll over your existing IRA into a new Global Certificate IRA without any withdrawal penalties.
  • Your Global IRA is separately insured up to $250,000—so you can rest assured that your money is secure. 

Certificates are designed to hold your money for a set length of time in exchange for a set rate of return. You may withdraw the money before your certificate matures, but an early withdrawal penalty will be deducted from your balance.

For the 2023 tax year, you can deposit up to $6,000 total into your account(s). 

$7,000 if you are age 50 or over. 

Beginning in 2020, there is no age limit on making regular contributions to Traditional or Roth IRAs. 

You can begin withdrawing funds from your Traditional IRA penalty-free at age 59 ½. You can withdraw contributions from your Roth IRA without penalty at any time.

You must begin making required minimum distributions (RMDs) from your IRA at age 72.

Before you make any withdrawals from your IRA, we recommend that you consult your tax advisor.

Yes, Global IRAs are federally insured up to $250,000 by the NCUA, an agency of the U.S. government.

To find out more, or to use the NCUA’s Share Insurance Estimator, please visit


Yes, if you are enrolled in online banking, you can receive eStatements instead of paper statements in the mail. You can also sign up to receive an email reminder when your new eStatement is ready.

To sign up for eStatements:

  1. Log in to your account.
  2. Select the Account Services.
  3. Select Request eStatements.
  4. Review and accept the Electronic Statements and Notices Disclosure and Agreement.

1Rates are subject to change at any time for any reason. Visit our rates page for full details. 

2The disclosed Annual Percentage Yield (APY) is the prospective yield that Global CU anticipates paying for the applicable dividend period. Once the certificate is issued the APY will remain fixed until maturity. The dividend distribution method you select may affect certificate earnings. There is a penalty for early withdrawal from a certificate or tax-deferred IRA certificate. In the event an early withdrawal lowers the Certificate balance below the required minimum, the Certificate must be closed and the Early Withdrawal Penalty will be calculated using the full balance of the Certificate.

3Minimum deposit required is $500. Maturity periods vary from 30 days to 60 months. Certificates are subject to early withdrawal penalties. 

Members with traditional and Roth Individual Retirement Accounts (IRAs) and KEOGH retirement accounts at federally insured credit unions have additional coverage available at each federally insured credit union where they qualify and become members. The NCUSIF insures traditional and Roth IRAs for $250,000 in the aggregate at each credit union. Additionally, the NCUA insures KEOGH accounts separately in the aggregate to $250,000 at each credit union. Retirement account insurance protection is separate and apart from insurance coverage on other credit union accounts. For example, if you have a regular share account, an IRA, and a KEOGH at the same credit union, the NCUSIF insures the regular share account for up to $250,000, the IRA for up to an additional $250,000, and the KEOGH for up to an additional $250,000. 

There are no qualification or eligibility criteria for members. For complete account information, refer to the Share Account Disclosure Statement. You will also receive one at the time an account is opened.