Individual Retirement Account (IRA)

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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 Certificate1.00%1.005%
18 Month Certificate1.25%1.257%
24 Month Certificate1.50%1.510%
36 Month Certificate1.00%1.005%
48 Month Certificate1.00%1.005%
60 Month Certificate1.00%1.005%
* Dividend Declaration Date is the Last Business Day of the Month.
APY = Annual Percentage Yield

Open an IRA Account

Planning for Your Retirement

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