Save for your Future and the

Future of the Planet

Open an IRA by April 15 to save on your 2024 Taxes.

Open an IRA CD in Just a Few Minutes

In order to best serve your needs, our IRA opening process is comprised of these steps. Please note that you must be the primary member of a Clean Energy Credit Union account to open an IRA.

Complete the form below with details about the IRA you’d like to open.

One of our team members will follow up with a phone call to review your information.

We will send you a custodial agreement to complete.

Today’s Rates

IRA Savings Account Rates
Deposit Balance¹	Dividend Rate	APY
¹ Minimum balance requirement = $100.
Deposit Balance¹ $100	Dividend Rate 0.25%	APY 0.25%

IRA Money Market Account Rates
Deposit Balance^{1 2}	Dividend Rate	APY
¹ Minimum balance requirement = $500.
Deposit Balance^{1 2} $500 – $9,999	Dividend Rate 1.50%	APY 1.51%
Deposit Balance^{1 2} $10,000 – $49,999	Dividend Rate 1.57%	APY 1.58%
Deposit Balance^{1 2} $50,000 – $99,999	Dividend Rate 1.90%	APY 1.92%
Deposit Balance^{1 2} $100,000 – $199,999	Dividend Rate 2.05%	APY 2.07%
Deposit Balance^{1 2} $200,000	Dividend Rate 2.25%	APY 2.27%

IRA Certificate of Deposit (CD) Rates
Terms⁽²⁾	$1,000 – $24,999⁽¹⁾		$25,000 – $99,999		$100,000
(1) Minimum balance requirement = $1,000. (2) Early withdrawal penalties may apply to certificates of deposits. See Truth In Savings for details. (3) Dividend rates for an IRA clean energy CD are 0.10% higher than the standard CD rates. (4) One time only, during the 3 year term, member has the option to reset the dividend rate to the rate in effect at the time of the reset.
Terms⁽²⁾	$1,000 – $24,999⁽¹⁾ Dividend Rate⁽³⁾	APY	$25,000 – $99,999 Dividend Rate⁽³⁾	APY	$100,000 Dividend Rate⁽³⁾	APY
Terms⁽²⁾ 6 months	$1,000 – $24,999⁽¹⁾ 4.40%	4.49%	$25,000 – $99,999 4.50%	4.59%	$100,000 4.60%	4.70%
Terms⁽²⁾ 1 year	$1,000 – $24,999⁽¹⁾ 4.10%	4.18%	$25,000 – $99,999 4.20%	4.28%	$100,000 4.30%	4.39%
Terms⁽²⁾ 2 years	$1,000 – $24,999⁽¹⁾ 4.05%	4.13%	$25,000 – $99,999 4.10%	4.18%	$100,000 4.15%	4.23%
Terms⁽²⁾ 3 years	$1,000 – $24,999⁽¹⁾ 3.35%	3.40%	$25,000 – $99,999 3.40%	3.45%	$100,000 3.45%	3.51%
Terms⁽²⁾ 3 years (bump up option)⁽⁴⁾	$1,000 – $24,999⁽¹⁾ 2.30%	2.38%	$25,000 – $99,999 2.35%	2.38%	$100,000 2.40%	2.43%
Terms⁽²⁾ 4 years	$1,000 – $24,999⁽¹⁾ 2.20%	2.22%	$25,000 – $99,999 2.25%	2.27%	$100,000 2.30%	2.32%
Terms⁽²⁾ 5 years	$1,000 – $24,999⁽¹⁾ 2.25%	2.27%	$25,000 – $99,999 2.30%	2.32%	$100,000 2.35%	2.38%
Terms⁽²⁾ 10 years	$1,000 – $24,999⁽¹⁾ 2.35%	2.38%	$25,000 – $99,999 2.40%	2.43%	$100,000 2.45%	2.48%

As a member of Green America, you qualify to join Clean Energy Credit Union!

Breaking up with fossil fuels can feel daunting—especially knowing that traditional banks heavily fund fossil fuel projects. At Clean Energy Credit Union, we provide financial tools and resources to help you align your money with your environmental goals.