Certificates & IRAs

Effective 8/1/2015

TermAPY
6 months0.35%
12 months0.70%
18 months1.00%
24 months1.15%
36 months1.50%
48 months1.60%
60 months1.70%

Members should call the credit union to verify rates.

NOTE: Early withdrawal from certificates will be subject to a 30 day dividend penalty for certificates 6 to 12 months or a 90 day dividend penalty for certificates 18 months and up. Contact your Credit Union to find out if there are any fees on these accounts that could reduce your earnings.

An Individual Retirement Account (IRA) is a great tool to help you prepare for retirement. Pocatello Simplot CU can help you achieve your retirement goals by offering both Traditional and Roth IRA’s.

In many cases IRAs are an excellent way to obtain significant tax advantages.* Rolling over funds from other IRAs or 401(k) plans is simple and penalty free. All of our accounts are federally insured up to $250,000.

Traditional IRA

  • $5,500 contribution limit annually up to age 50
  • $6,500 contribution limit annually age 50 and older
  • Withdrawal may begin at 59 ½ years old penalty free
  • Required minimum distributions begin at age 70 ½

Roth IRA

  • $5,500 contribution limit annually up to age 50
  • $6,500 contribution limit annually age 50 and older
  • Qualified distributions allowed

*Certain conditions may apply. Consult a tax advisor.

An Individual Retirement Account (IRA) is a great tool to help you prepare for retirement.  Pocatello Simplot CU can help you achieve your retirement goals by offering both Traditional and Roth IRA’s.
In many cases IRAs are an excellent way to obtain significant tax advantages.*   Rolling over funds from other IRAs or 401(k) plans is simple and penalty free.  All of our accounts are federally insured up to $250,000.

Traditional IRA

  • $5,500 contribution limit annually up to age 50
  • $6,500 contribution limit annually age 50 and older
  • Withdrawal may begin at 59 ½ years old penalty free
  • Required minimum distributions begin at age 70 ½

Roth IRA  

  • $5,500 contribution limit annually up to age 50
  • $6,500 contribution limit annually age 50 and older
  • Qualified distributions allowed

*Certain conditions may apply.  Consult a tax advisor.