Enfield Community Federal Credit Union
User ID | Password
Forgot Password [?]

Individual Retirement Account (IRA)

The information in the rates tables below may not fully be viewable on certain smaller resolution devices. Please rotate your device to landscape orientation if you are unable to view the entire table of information or please use a desktop computer.

Individual Retirement Account (IRA)

IRA’s are a great way to save for retirement.

The Enfield Community Federal Credit Union offers 2 types of IRA Accounts:

  • Traditional IRA
  • Roth IRA

To help you with your retirement dollars, we offer a variety of IRA plans.

  • A regular IRA accumulator account allows you to make contributions throughout the year.
  • An IRA Certificate is a Share Term Certificate with a fixed rate and fixed term.
  • $1,000 minimum deposit
  • Terms from 1 year to 5 years
  • No Annual Fees or Administrative Fees
  • Special eligibility rules related to earned income, total income and tax deductibility of contributions vary depending on the individual.


Share Certificates & IRA Certificates*RateAPY
$1,000.00 Minimum
6 Month Certificate
(IRA Not Available)
12 Month Certificate.15%.150%
18 Month Certificate.25%.250%
24 Month Certificate.30%.300%
36 Month Certificate.40%.401%
48 Month Certificate.45%.451%
60 Month Certificate.50%.501%
* Dividend Declaration Date is the Last Business Day of the Month.
APY = Annual Percentage Yield

Open an IRA Account

Planning for Your Retirement

New Year’sDayFridayJanuary 1st
MartinLuther King Jr Day MondayJanuary 18th
Presidents DayMondayFebruary 15th
Memorial DayMondayMay 31st
Independence DayMondayJuly 5th
Labor DayMondaySeptember 6th
Columbus DayMondayOctober 11th
Veterans DayThursdayNovember 11th
Thanksgiving DayThursdayNovember 25th
Christmas EveFriday, December 24th
Close at 1 pm
Christmas DaySaturdayDecember 25th
New Years EveFridayDecember 31st,
Close at 1 pm
New Year’sDaySaturdayJanuary 1st