Commonwealth Utilities Federal Credit Union

SHARE CERTIFICATES & IRA SHARE CERTIFICATES

The road toward a more secure financial future begins with saving strategies using Commonwealth Utilities Federal Credit Union’s IRAs and Share Certificates.

IRA Share Certificates

IRA Share Certificates are a smart approach to your retirement planning.

Choose from Traditional and Roth IRAs
Open an IRA with a $1,000 minimum balance
Dividends are compounded daily and paid monthly
Roll dividends into the IRA Share Certificate account
Terms range from 6 to 60 months
No monthly fees

Share Certificates
Invest your money for a specific term and grow your savings at a guaranteed rate.

Dividends are compounded daily and paid monthly
Roll dividends into the Share Certificate account
Terms range from 6 to 60 months
No monthly fees

$1,000 minimum balance required to earn APY

CURRENT RATES

Effective Date: November 1, 2022

Term	Minimum	Dividend Rate	APY*
6 months ***	$ 1,000	1.35 %	1.35 %
12 months ***	$ 1,000	1.50 %	1.50 %
18 months ****	$ 1,000	1.55 %	1.55 %
24 months ****	$ 1,000	1.65 %	1.65 %
36 months ****	$ 1,000	1.90 %	1.90 %
48 months ****	$ 1,000	1.90 %	1.90 %
60 months ****	$ 1,000	2.00 %	2.00 %

** APY = Annual Percentage Yield.
*** 180 day early withdrawal penalty
**** 270 day early withdrawal penalty
Rates and Terms are subject to change without notice.

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