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share / IRA certificates

A savings option for those who are looking for a specific deposit term with a high rate of dividends. 

Share Certificates (CDs)
Share Certificates vary in maturity and dividends are paid on the daily balance quarterly.  We have a variety of terms to meet your needs.

IRA Accounts
Individual Retirement Accounts (IRAs) are a great way to save for retirement due to the special tax advantages these accounts provide.

Traditional IRA Accounts allow members to contribute money on a pre-tax basis and earn tax-deferred dividends. Income taxes are due when distributions are taken from the account at retirement.

Roth IRA Accounts allow members to contribute money on a post-tax basis and earn tax-free dividends. No income taxes are due when distributions are taken from the account at retirement.

Members of Guthrie FCU may open Traditional or Roth IRA accounts and invest in an IRA Share Account, which earns dividends if the average daily balance is $100.00 or more. This type of account is used to save up for IRA Share Certificates which offer higher dividend rates at specific deposit terms.

IRA Accounts are subject to terms and conditions set by the IRS. Please contact Guthrie FCU today for more information.

Relationship Advantage
It pays to build a relationship with Guthrie FCU!
To qualify for Relationship Advantage (additional 0.10% APR on Share and IRA Certificate rates) you will need at least one of the following:
•    Active Share Draft (Checking) Account with Debit Card
•    Be enrolled in e-Statements
•    Have Direct Deposit

To review our current rates, please click here.

Your savings are federally insured up to $250,000 and backed by the full faith and credit of the United States Government, NCUA - National Credit Union Administration, a U.S. Government Agency.