13-Month IRA Certificate:
A High-Yield Retirement Option

Need to rollover a 401(K)? Want to transfer an IRA? Looking for a fixed rate, high-yield retirement option? Our 13-month IRA certificate offers a great rate with the ability to keep adding to it.


A great way to help you get ready for your future

Great Rates To Help Reach Your Retirement Goals

You’re looking for every opportunity to get closer to your retirement goals. A 13-month IRA Certificate can be a solution, whether you’re looking to roll over a 401(K), transfer an IRA or open a new one. In addition to getting a great rate, you can contribute to the account at any time.


4.25%Below $100,000
  • Enjoy consistent growth and peace of mind with no annual maintenance fees.
  • Check your account balance at any time with Cinfed Digital Banking or our convenient Mobile App.
  • Personal service is as close as a phone call or your nearest Cinfed branch.

4.50%Above $100,000

Interested in Traditional or Roth IRAs? Click hereInterested in additional savings options with certificates? Click here

* APY: Annual Percentage Yield. $500 deposit required to open account. Traditional and Roth IRAs only. Standard restrictions and penalties for early withdrawal apply. Initial deposit must exceed $100,000 to qualify for the higher rate. If subsequent deposits increase the account total above $100,000, the advertised rate will go into effect within 24 hours of the qualifying deposit. After 13-month term expires, account will auto-renew for 13 months at the market rate at time of renewal plus 25 basis points for balances greater than $100.000. Members can open multiple IRA accounts under this offer. Consult your financial advisor regarding tax considerations.

Federally insured by NCUA