Home Savings IRAs & Share Certificates

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IRA Savings & Certificates

IRA Savings

Start planning for your retirement with a smart monthly investment. Payments can be conveniently deducted from your payroll, checking or savings account.

Dividends

  • Compounded monthly
  • Dividends are tax deferred

Opening Deposit

  • $100

Access

  • 24-Hour TellerPhone inquiry access
  • A variety of retirement pay out options

Monthly Fees

  • None

Protection and Coverage

Accounts are federally insured up to at least $250,000 by the National Credit Union Administration, an agency of the Federal Government. Ask us how you may be able to increase your NCUA insurance coverage over the basic amount.

IRA Certificates

Make a good investment for tomorrow, today. Save money, receive possible tax benefits and interest deferral with this fully insured retirement account.

Dividends

  • Compounded monthly
  • A high dividend rate and the flexibility to determine your length of investment.
  • Dividends are tax deferred

Opening Deposit

  • $1,000

Access

  • At maturity
  • 24-Hour TellerPhone inquiry access
  • IRA loan certificate is also available

Monthly Fees

  • None

Protection and Coverage

Accounts are federally insured up to at least $250,000 by the National Credit Union Administration, an agency of the Federal Government. Ask us how you may be able to increase your NCUA insurance coverage over the basic amount.

TERMS

  1. See the current Truth-In-Savings Disclosure that is provided when you open your account, and upon request.
  2. Fees could reduce the earnings on the account. Refer to the current Fee Schedule that is provided when you open your account. For Money Market Accounts free withdrawals are limited to 6 per month.
  3. If you close your account before dividends are credited, you will not receive accrued dividends.
  4. Substantial penalty for early withdrawal.
  5. Consult your tax advisor.
  6. Annual IRA "Plan" maintenance fee is $10.00 per year.
  7. $5.00 minimum opening deposit for members age 15 years and under.
 

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Kern Federal Credit Union is aware that the economy is creating financial hardships for many individuals and families. These hardships could mean that meeting financial obligations becomes difficult. If you find yourself unable to make your mortgage payment during this difficult time, we recommend that you take immediate action and call a certified housing counselor or your lender.

Click here to learn what Kern FCU can do to help! 

Special ATM Access

International Use of ATMs is now available in most countries.  Due to extensive fraud on international ATMs, the processing of ATM activity outside the U.S., Canada, and Mexico is monitored closely. If you plan to travel outside of the U.S. in the near future, we recommend that you please contact us for additional information and/or travel cash alternative.

Attn. Kern County Residents!

You can be a member of Kern FCU if you live, work, worship or go to school in Kern County.

The people that work at Kern FCU will show you personal quality service anytime… anywhere.

You can count on us when buying a car, home, or seeking big returns on your savings. It's where you belong… at Kern FCU.

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