Individual Retirement Accounts (IRAs)
Protect the environment while you prepare to retire.
Protect the environment while you build your future.
Planning for your future shouldn’t mean compromising the planet’s future, yet most traditional retirement funds are heavily tied to oil and gas. If you are looking to build a sustainable nest egg, fossil free green IRA retirement accounts offer a powerful way to align your financial goals with your environmental values.
When you open a Traditional or Roth IRA with a green financial institution like Clean Energy Credit Union, your federally insured deposits don’t sit idle—they directly fund local clean energy initiatives like residential solar installations, energy-efficiency upgrades, and electric vehicles. You earn competitive tax-advantaged growth while knowing every dollar is actively working to reduce carbon emissions and build a cleaner tomorrow.
Put Your Money to Work for a Better Tomorrow
Every dollar you save for retirement shouldn’t just sit there—it should go to work. When you open a Clean Energy CU retirement account, your money directly funds clean energy projects like home solar installations and electric vehicles. Grow your nest egg while reducing carbon emissions.
Most traditional retirement funds invest heavily in fossil fuels, tobacco, and weapons. We do things differently. Every single dollar you deposit into a Clean Energy retirement account stays true to your values. You get competitive tax advantages, and the planet gets a break because your deposits fund accessible clean energy loans for people just like you.
See What Your Retirement Can Do
Your money has power. Use our calculator to see how much compound interest you can earn, alongside the exact amount of carbon emissions your deposit will help offset.
Your True Return: In addition to your financial dividends, an investment of just $1,000 can fund enough clean energy projects to offset hundreds of pounds of carbon every single year.
Our Retirement Options
Whether you want to lower your tax bill today or withdraw your money tax-free tomorrow, we offer both Traditional and Roth structures.
Traditional IRA
Your funds grow in a tax-deductible way to save for retirement. Take advantage of tax-deferred growth now and pay taxes when you withdraw money during retirement.
Roth IRA
With a Roth IRA, you can pay taxes on your contributions now, and take advantage of tax-free withdrawals during retirement.
Choose How You Want to Grow
You can grow your funds using any combination of our three investment vehicles. Both Traditional and Roth IRAs can be placed into three different investment options: savings account, certificates, and money market accounts.
IRA Share Certificates (CDs)
Perfect for predictable, guaranteed growth. Lock in a high rate for a fixed term. Bonus: Our clean energy IRA certificates earn a dividend rate that is 0.10% higher than our standard certificate rates!
- Minimum Balance: $1,000
- Flexible Terms: 6 Months to 10 Years
- Competitive APYs updated daily.
IRA Money Market Accounts
Want higher yields than a standard savings account but still need the flexibility to access your funds? Our tiered Money Market account rewards larger balances with higher interest rates.
- Minimum Balance: $500
- Tiered interest rates that grow as your balance grows.
IRA Savings Account
The most flexible way to start. Set up automatic monthly contributions from your paycheck to steadily build your retirement foundation.
- Minimum Balance: Only $100 to start.
Today’s Rates
|
Terms2 |
$1,000 – $24,9991 |
$25,000 – $99,999 |
$100,000 |
|||
|---|---|---|---|---|---|---|
|
1Minimum balance requirement = $1,000. |
||||||
|
Terms2 |
$1,000 – $24,9991 Dividend Rate3 |
APY4 |
$25,000 – $99,999 Dividend Rate3 |
APY4 |
$100,000 Dividend Rate3 |
APY4 |
|
Terms2 6 months |
$1,000 – $24,9991 4.10% |
4.18% |
$25,000 – $99,999 4.10% |
4.18% |
$100,000 4.10% |
4.18% |
|
Terms2 1 year |
$1,000 – $24,9991 3.80% |
3.87% |
$25,000 – $99,999 3.90% |
3.97% |
$100,000 4.00% |
4.07% |
|
Terms2 2 years |
$1,000 – $24,9991 3.65% |
3.71% |
$25,000 – $99,999 3.75% |
3.82% |
$100,000 3.85% |
3.92% |
|
Terms2 3 years |
$1,000 – $24,9991 3.15% |
3.20% |
$25,000 – $99,999 3.25% |
3.30% |
$100,000 3.35% |
3.40% |
|
Terms2 4 years |
$1,000 – $24,9991 2.40% |
2.43% |
$25,000 – $99,999 2.50% |
2.53% |
$100,000 2.60% |
2.63% |
|
Terms2 5 years |
$1,000 – $24,9991 2.45% |
2.48% |
$25,000 – $99,999 2.55% |
2.58% |
$100,000 2.65% |
2.68% |
|
Terms2 10 years |
$1,000 – $24,9991 2.55% |
2.58% |
$25,000 – $99,999 2.65% |
2.68% |
$100,000 2.75% |
2.78% |
|
Deposit Balance1 |
Dividend Rate |
APY2 |
|---|---|---|
|
1 Minimum balance requirement = $100. |
||
|
Deposit Balance1 $100 |
Dividend Rate 0.25% |
APY2 0.25% |
|
Deposit Balance1 |
Dividend Rate |
APY2 |
|---|---|---|
|
1 Minimum balance requirement = $500. |
||
|
Deposit Balance1 $500 – $9,999 |
Dividend Rate 1.60% |
APY2 1.61% |
|
Deposit Balance1 $10,000 – $49,999 |
Dividend Rate 1.70% |
APY2 1.71% |
|
Deposit Balance1 $50,000 – $99,999 |
Dividend Rate 2.10% |
APY2 2.12% |
|
Deposit Balance1 $100,000 – $199,999 |
Dividend Rate 2.25% |
APY2 2.28% |
|
Deposit Balance1 $200,000 |
Dividend Rate 2.30% |
APY2 2.33% |
Got Questions? We’ve Got Answers.
First, see if you’re already eligible to join Clean Energy Credit Union by being a part of our “field of membership,” which currently includes:
- A member of one of the following organizations:
- African-American Credit Union Coalition
- American Solar Energy Society
- Association of Energy Service Professionals
- Colorado Renewable Energy Society
- Denver Electric Vehicle Council
- Electric Auto Association
- Engineers for a Sustainable World
- EVHybridNoire
- Georgia Solar Energy Association
- Green America
- GreenHome Institute
- Illinois Solar Energy Association
- Midwest Renewable Energy Association
- Northeast Sustainable Energy Association
- Polar Bear Sustainable Energy Co-op
- RENEW Wisconsin
- Renewable Energy Owners Coalition of America
- Solar United Neighbors
- Texas Solar Energy Society
- Women of Renewable Industries and Sustainable Energy
- An employee or volunteer of one of the following organizations:
- A member of the immediate family or household of someone who is eligible via one of the above options or of someone who is already a member of Clean Energy Credit Union
If you’re not already eligible to join Clean Energy Credit Union, you can consider joining one of the above organizations. On your membership application, you can request that Clean Energy Credit Union sign you up for a membership with the Solar United Neighbors free of charge or request that Clean Energy Credit Union sign you up for a one-year membership with the- American Solar Energy Society and deduct the associated $10 membership fee from your opening account balance. Click here to learn more about the field of membership partner organizations listed above.
After confirming your eligibility, you would then open a “share account” (i.e. savings account) with a $5 minimum deposit which would serve as your ownership share in Clean Energy Credit Union. Once someone becomes a member of the Credit Union, they are a member for life. Click here to join Clean Energy Credit Union.
In case it helps, here’s some background on what a credit union “field of membership” is: although credit unions provide similar services as banks, they are different from banks in many ways. For example, a credit union is a not-for-profit, financial services cooperative that exists solely to serve its members and to fulfill its mission, whereas a bank exists to maximize financial returns for its stockholders. Another difference is that a bank can serve the general public whereas a credit union can only serve its “field of membership,” which is defined by regulators as the people and entities that are legally eligible to join the credit union. Ultimately, a credit union’s field of membership is comprised of one or more groups of people and entities that all have something in common that binds them together in some way. Many credit unions have a field of membership that includes people who work for a certain employer, or who live in a certain geographic area, or who are members of the same professional association or religious organization.
Yes! You can reach a real, live person by chat or phone.
To chat with us, click the “Chat” button at the top or bottom of any page on our website. Chat support is available Monday–Friday from 7:00 AM to 5:00 PM (MST), and Saturday from 9:00 AM to 12:00 PM (MST).
To speak with someone by phone, call us at 720-479-7900. Phone support is available Monday–Friday from 7:00 AM to 4:00 PM (MST).
Ready to Take the Next Step?
Get Started Now
Open an Account OnlineCall Us
Chat Us
Monday-Friday 7:00am – 5:00pm MST
Saturday 9:00am – 12:00pm MST