Certificates and IRAs
Grow your money with our competitive rates.

  • Certificates

    Spring Certificate Special   Summer CD Special

    Looking for a good rate on a certificate? Our high-yielding certificates are offered at various terms, generally ranging from 6 months to 5 years, with some of the highest rates in the area. Most certificates require a minimum deposit of $1000.00. Check out our current rates on certificates. 

    Open an account online today! Or call 833-759-1941 or stop by one of our branches for more information.

    *15-Month Certificate: APY is Annual Percentage Yield. APY is accurate as of 4-11-2023. Roth and traditional IRA certificates are not eligible. Promotion subject to change at any time. Minimum opening balance $1,000. 15 Month Certificate automatically renews to 12-month term at maturity. Early withdrawal penalties may apply. Fees could reduce earnings. Offer good for a limited time. Federally insured by NCUA.
    **12- or 15-Month Certificate with New Money: APY is Annual Percentage Yield. APY is accurate as of 05-23-2023. Roth and traditional IRA certificates are not eligible. Promotion subject to change at any time. Minimum opening balance $25,000. New money to Skyward Credit Union only. 12 Month and 15 Month Certificates automatically renews to 12-month term at maturity. Early withdrawal penalties may apply. Fees could reduce earnings. Offer good for a limited time. Federally insured by NCUA.

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  • IRA

    IRA Certificates allow you to save for your retirement or a child’s future higher education expenses, with tax benefits.  Skyward Credit Union offers competitive rates on IRA shares or fixed-term/fixed-rate certificates which allows you to have great earnings potential. We offer the following IRA accounts.

    • Traditional IRA – Before tax dollars are invested allowing you to defer taxes on your earnings until you are ready to withdraw. To establish a Traditional IRA, you must have earned income (or your spouse has earned income) and be younger than 70 ½ years old for the tax year.
    • ROTH IRA – Contributions are made with after-tax dollars. The contributions are non-deductible and taxed as income the year they are earned. After you have met a five-year holding period, you may be eligible to make tax-free withdrawals based on the distribution purpose. Tax-free distribution purposes may include: 
      • After age 59 ½
      • Permanent Disability
      • First-time home purchase
      • In the event of the owner’s death
      • To establish a ROTH IRA, you must have earned income (or your spouse must have earned income) and your Modified Adjusted Gross Income (MAGI) may not exceed certain limits. 
    • Coverdell Education Savings Account (CESA) – Established for educational needs. Withdrawals are tax-free if used for educational purposes. Minor children must have an established youth account with Skyward Credit Union to establish a CESA. Total contributions in a calendar year may not exceed $2,000.00.

    See our rates. For complete details, please visit or contact a Skyward Credit Union branch and visit with one of our Specialists.

    View Rates Open an Account