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Certificates & IRAs

We've got your future and retirement savings covered

Term Certificates

Save today, so you can enjoy tomorrow with a Certificate from Advanz. Investing in a Certificate is a safe and secure way to save and get a guaranteed return on your investment. Our flexible terms and competitive rates can help you on your path to saving for anything the future holds, including retirement.

  • Terms range from 6 to 60 months
  • Minimum deposit of only $500
  • Earn higher dividends than on a regular savings account
  • Dividends are paid and compounded as follows:
    • 6 month Certificates are paid and compounded semiannual at maturity
    • All other Certificates are paid and compounded quarterly
  • Automatic renewals
  • Deposits are federally insured up to $250,000 by the NCUA

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Individual Retirement Accounts (IRAs)

Another option to save towards your dreams and retirement is with an Individual Retirement Account (IRA). We offer both Traditional and Roth IRAs at competitive dividend rates and accept rollovers and transfers from other financial institutions.

Traditional IRAs allow you to make tax-deductible contributions and defer taxes on your earnings. That means you get a tax break now while you’re saving and pay income taxes when you begin making withdrawals during retirement.*

Roth IRAs require you to pay taxes now, but the money you save will grow tax-free and you can make tax-free withdrawals during your retirement years as long as you meet certain requirements. Roth IRAs have more flexible rules for early withdrawal than Traditional IRAs.**

Our IRAs offer:

  • $5 minimum to open
  • Dividends are paid quarterly on the average daily balance
  • Federally insured up to $250,000 by NCUA
  • Possible tax deductible contributions and tax deferred earnings*

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*Federally insured by NCUA. IRAs require a minimum $5.00 deposit to open. Dividends are paid quarterly on the average daily balance. For those age 50 and older, the annual contribution limit is $7,000.00. IRA Certificates also available at market Certificate rates with a minimum deposit of $500.00 and a minimum term of one (1) year, with other terms available. Membership with Advanz Credit Union is required. Visit for full details. Consult with your tax professional for tax-related details.


Additional Option

IRA Certificate - Our regular above market Certificate rates and favorable terms can be applied to IRA deposits as well. The minimum balance requirement is $500 and the minimum term is one year.

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*/** Roth IRAs do not allow tax deductible contributions. Consult with your tax professional for tax related details.