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Roth IRAs

A Roth IRA differs from a Traditional IRA: Contributors gain a tax benefit in retirement; a traditional IRA gives you most of your tax benefit when you contribute. Another difference is you can continue to fund your Roth IRA after you reach age 70½ and you can leave amounts in your Roth IRA as long as you live.

You can open a Roth IRA at any time if you have taxable compensation and your modified adjusted gross income falls within IRS guidelines. Contact us for details.

  • Earnings and principal are 100% tax free upon withdrawal
  • Contributions are not tax deductible
  • $5,000 contribution limit per year, $6,000 if you are age 50 or older
  • No mandatory distribution age
  • Principal contributions can be withdrawn without penalty1
  • Early withdrawals on interest subject to penalty2

At Cornerstone Credit Union, no setup or annual maintenance fees. Choose between an IRA Savings or IRA Certificate of Deposit.

Call or stop in today — and get started with your Cornerstone Credit Union IRA!

1 Subject to some minimal conditions. Consult with your tax advisor.


Regular & IRA Certificates > $1,000+

Effective Date: 10/22/20131
Term Min. Balance Dividend Rate APY2
90-Day3 $1,000.00 .10% .10%
180-Day3 $1,000.00 .15% .15%
12-Month $1,000.00 .25% .25%
18-Month $1,000.00 .30% .30%
24-Month $1,000.00 .40% .40%
30-Month $1,000.00 .45% .45%
36-Month $1,000.00 .65% .65%
48-Month $1,000.00 .90% .90%
60-Month $1,000.00 1.19% 1.20%


Regular & IRA Certificates > $20,000+

Term Min. Balance Dividend Rate APY2
12-Month $20,000.00 .35% .35%
18-Month $20,000.00 .40% .40%
24-Month $20,000.00 .50% .50%
30-Month $20,000.00 .55% .55%
36-Month $20,000.00 .75% .75%
48-Month $20,000.00 1.00% 1.00%
60-Month $20,000.00 1.29% 1.30%


Regular & IRA Certificates > $100,000+

Term Min. Balance Dividend Rate APY2
180-Day3 $100,000.00 .25% .25%
12-Month $100,000.00 .35% .35%
18-Month $100,000.00 .40% .40%

1Certificate dividend rates are subject to change due to market conditions. Please call your Call Center Representative at 800.711.3277, press 0.

2APY=Annual Percentage Yield. The rates quoted above are accurate and effective for the above accounts as of the effective date indicated. Certificate rates remain fixed for the term of the certificate. Unless otherwise paid, dividends will be credited to your account compounded daily and paid quarterly. Fees or other conditions could reduce the earnings on the account. A penalty may be imposed for withdrawals before maturity. If you have any questions or need current rate information on your accounts, please call 815.235.5855.

3Simple interest paid at maturity.