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Individual Retirement Accounts (IRAs)

Protect the environment while you prepare to retire.

Put Your Money to Work for a Better Future

Every dollar you deposit into a Clean Energy retirement account funds your future and helps us make clean energy accessible to all.

Our Retirement Options

Both Traditional and Roth IRAs can be placed into three different investment options: savings account, certificates, and money market accounts.

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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.

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Roth IRA

With a Roth IRA, you can pay taxes on your contributions now, and take advantage of tax-free withdrawals during retirement.

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 Balance1 2

Dividend Rate

APY

1 Minimum balance requirement = $500.

Deposit Balance1 2

$500 – $9,999

Dividend Rate

1.50%

APY

1.51%

Deposit Balance1 2

$10,000 – $49,999

Dividend Rate

1.57%

APY

1.58%

Deposit Balance1 2

$50,000 – $99,999

Dividend Rate

1.90%

APY

1.92%

Deposit Balance1 2

$100,000 – $199,999

Dividend Rate

2.05%

APY

2.07%

Deposit Balance1 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)

9 months

$1,000 – $24,999(1)

4.90%

5.01%

$25,000 – $99,999

5.00%

5.12%

$100,000

5.10%

5.22%

Terms(2)

1 year

$1,000 – $24,999(1)

4.10%

4.49%

$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%

3.13%

$25,000 – $99,999

4.10%

3.18%

$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%

See What Your Retirement Can Do

Calculate the impact of your retirement dollars and how they can offset carbon emissions.


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:

  1. A member of one of the following organizations:  
    1. African-American Credit Union Coalition
    2. American Solar Energy Society
    3. Association of Energy Service Professionals
    4. Colorado Renewable Energy Society
    5. Denver Electric Vehicle Council
    6. Electric Auto Association
    7. Engineers for a Sustainable World
    8. EVHybridNoire
    9. Georgia Solar Energy Association
    10. Green America
    11. GreenHome Institute
    12. Illinois Solar Energy Association
    13. Midwest Renewable Energy Association
    14. Northeast Sustainable Energy Association
    15. Polar Bear Sustainable Energy Co-op
    16. RENEW Wisconsin
    17. Renewable Energy Owners Coalition of America
    18. Solar United Neighbors
    19. Texas Solar Energy Society
    20. Women of Renewable Industries and Sustainable Energy
  2. An employee or volunteer of one of the following organizations:  
    1. Clean Energy Credit Union
    2. Our Climate
    3. 350 Colorado
  3. 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 either click on the “Chat” bottom at the top and bottom of each page on our website, or you can call us at 720-479-7900.

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