IRA Certificates of Deposit
Open an IRA certificate of deposit with Amplify Credit Union and enjoy fixed rates, tax advantages, and flexible terms.
Be Money Smart
3.85
Featured Rates
| APY* |
Interest Rate* |
|
|---|---|---|
| 12 Months | 3.80% | 3.73% |
| 18 Months | 3.85% | 3.78% |
| 60 Months | 3.70% | 3.63% |
Steady returns
Our IRA certificates of deposit are designed to provide a safe and reliable complement to traditional investment plans. And with our virtual branch, we’ve made it easier than ever to apply.
Open
Virtually
Amplify’s virtual branch makes it easy to get started. And remember, our banking accounts will always be fee-free.
Tax
Advantages
Contributions to an IRA CD may be tax-deductible or grow tax-deferred, depending on whether it is a traditional or Roth IRA.
Pick Your
Term
With terms from only a few months to a few years, Amplify’s IRA certificates of deposit have the flexibility to match your financial goals.
No Market
Risk
IRA CDs are not subject to market fluctuations, making them a stable and low-risk option for retirement savings.
CD FAQs
In times like this, there’s something to be said for a sure thing. If you’re new to certificates of deposit, learn more about how they work and why CBS News calls them an “excellent choice” for people looking for a short-term savings tool.
What is an IRA certificate of deposit?
Do CDs fall under fee-free banking?
Do you offer both Roth and Traditional options?
Do you offer automatic renewal with IRA certificates of deposit?
Are IRA certificates of deposit NCUA-insured?
Is there a minimum balance for CDs?
Ready to open an account?
Schedule an appointment for a one-on-one consultation with a virtual banker.
*Annual Percentage Yield (APY) is effective 06/17/2026 and may change at any time. Minimum balance of $500 required to obtain the advertised APY.
Please refer to the Share Account Rate Disclosure, Certificate Account Rate Disclosure, and Beneficial Owner Disclosure for further information relating to the above products. See Fee Schedule & Rate Schedule for current rates and fees.
