Certificates & IRAs

Give a gift to your future self with a Financial Resources FCU Certificate or IRA.

With our Certificates and IRAs, you can set aside money to help cover future expenses, benefit from dividend payments and stretch your savings with potential tax deferred breaks.

Term Certificates & IRAs

Disclosures

(1) Fees may reduce earnings on these accounts.

(2) Minimum Balance to earn stated Annual Percentage Yield (APY). If a range is shown as a deposit tier, the starting balance shown in that tier is the Minimum Balance needed to earn the stated Annual Percentage Yield (APY).

(3) Rate is variable and may change after the account is opened.

(4) APY = Annual Percentage Yield.

(5) $10.00 Minimum Balance to open.

(6) Consult your tax advisor or IRS Publication 590 to determine what type of IRA is right for you. Publication 590 can be found at your local post office or online at the Internal Revenue Service Website.

(7) Relationship Premium Rates for Certificates and IRA’s include a rate premium based on your account services with the credit union. Rates indicated include premiums of 0.10% for an active checking account (active checking account requires either (A) existing checking acct with minimum monthly Direct Deposit of $500.00, (B) FRFCU debit card with minimum 5 transactions in previous month, (C) Active Bill Pay Account); 0.10% for an existing consumer loan (excludes Credit Builder and Personal Lines of Credit); 0.10% for a FRFCU Mortgage or Investment Account.

(8) The Bump-Up Certificate allows you to increase the rate on the certificate to the current rate one time if rates rise during the term of the certificate. No additional deposit is needed to activate the Bump-Up feature.

Rates are subject to change.

Term Certificates & IRAs

Special ultra-competitive Term Certificate and IRA rates to help you earn on your investment!

Flexible terms from 3 to 60 months let you pick the maturity date.
Only a $500 minimum deposit with competitive yields and dividends credited monthly or at term end.
Monthly dividends can automatically be credited to the Certificate or transferred to another FRFCU account.
Rates here.
Hero and Champion Account holders receive an additional 0.10% towards Relationship Premium Rates.

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Terms & Rates

Coverdell Education Savings Accounts

Adults can start saving for their child’s education at any time! A withdrawal is tax free when you use it to pay for qualified elementary, secondary and higher education expenses.

Any adult – parents, grandparents, godparents or friends – can put money in a Coverdell Education Savings Account, up to $2,000 away each year (up to the tax filing deadline of April 15th) per child (income eligibility requirements apply).
All account earnings accumulate on a tax-deferred basis and can be withdrawn from the account tax-free if used to pay for qualified elementary and secondary education, as well as qualified college education expenses.
Consult your tax advisor or IRS Publication 590 to determine what type of IRA is right for you. Publication 590 can be found at your local post office or online at the Internal Revenue Service Website.

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Variable IRA Savings

Use convenient payroll deduction or automatic savings to build your IRA!

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Terms & Rates

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Roth IRAs

Taxes are deferred until funds are withdrawn, and qualified distributions are tax free.
Easily roll over funds from another financial institution.
Only a $500 minimum deposit with competitive yields and dividends credited monthly or at term end.

Hero and Champion Account holders receive an additional 0.10% towards Relationship Premium Rates.

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Terms & Rates

Traditional IRAs

Taxes are deferred until funds are withdrawn.
Easily roll over funds from another financial institution.
Only a $500 minimum deposit with competitive yields and dividends credited monthly or at term end.

Hero and Champion Account holders receive an additional 0.10% towards Relationship Premium Rates.

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Rates