Term certificates provide higher yields on funds invested for 91 days to three years.

Certificates require a minimum investment of $1,000.00 and offer an attractive rate of return for a specific length of time. Dividends can be compounded or credited to your Share Savings Account for easy access.

TI Federal Credit Union offers several IRA options that include IRA Share Savings Accounts and Certificates of up to 36 months maturity. Dividends on Share Accounts and Certificates are calculated on the daily balance and paid monthly. The minimum balance to earn dividends is $25.00 for the Share Account and $1,000.00 for a Certificate.

A penalty may be imposed for early withdrawal on all term Certificates. IRA Certificate rates are the same as regular Certificate rates. All rates are subject to change without notice.