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IRA Share Certificates
Investments
Financial advising
Retirement strategies
Calculate your retirement
Traditional & Roth IRA Share Certificates
IRA Share Certificates offer an insured, secure, tax-advantaged way to save. Traditional IRAs generally allow tax-deductible investments, while Roth IRAs generally allow tax-free withdrawals. Consult a tax advisor for more information.
Design a retirement strategy.
Retirement means different things to different people. You might be looking for more time, more energy, beaches, or just a job that pays less. Whatever it is, design a holistic strategy that helps you get there.
Build an investment portfolio with expert advice.
Work with a financial expert to balance risk and develop a confident investment strategy.
*Investments are not deposits; not NCUSIF insured; and not insured by any federal government agency. No credit union guarantee. May lose value.
Accounts
IRA share certificates through Alta Vista, investments through our partners.
Advice
Expertise and financial skills.
Vision
We can help you see the whole picture.
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1
Plan
All the right accounts in all the right places.
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2
Adjust
Continuing advice to adjust to life’s events.
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3
Retire
Time. Energy. New experiences. A different job. Enjoy it.
Where would you like to start?
great credit union run so professionally, and they really care about all account holders. I've been with Alta Vista since 1987. I have no regrets other then the fact that i have moved out of California.
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Assumptions
Retirement age
Calculation assumes that the year you retire, you don't make contributions. If you retire at 67, the calculation assumes your last contribution is at 66.
Inflation
Calculation assumes a 2.9% rate of inflation. This is a common measure of inflation in the U.S. is the Consumer Price Index (CPI). From 1925 through 2018 the CPI has a long-term average of 2.9% annually.
Social Security
Social Security benefits are not considered for this calculation. Social Security is based on a sliding scale depending on your income, how long you work and at what age you retire.
Pensions
Pensions are not considered for this calculation.
Rate of return
Interest compounds monthly. The interest rate specified in calculator is used to calculate your return on savings and investments during and after retirement.
Disclosure
Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Rates
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Rates effective as of: December 21, 2024
*Minimum Balance Required to Earn Stated APY
This is not a full disclosure. Additional restrictions may apply.
See the full disclosure for details on all Traditional/Roth IRA Savings accounts.
Rates are subject to change without notice.
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Rates effective as of: December 21, 2024
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