Take advantage of good market conditions with this variable rate certificate. Earnings are tax-free if the account is open for five tax years and withdrawn for a qualified reason. See rates.

Features

• Available in 24 and 36-month terms

• Federally insured to $250,000 by NCUA
   

Requirements

• Minimum opening balance of $500

• IRA contributions are limited to $6,000 per year; additional $1,000 allowed for those over 60 years old to "catch up"

• Maximum balance of $1,000,000