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County Excellence FCU Term Share Certificates

At County Excellence Federal Credit Union (FCU), we offer Term Share Certificates, a secure and reliable way to grow your savings with guaranteed returns. By committing your funds for a fixed period, you can take advantage of higher dividend rates compared to regular savings accounts. Whether you’re saving for a specific goal or looking to diversify your investment portfolio, our Term Share Certificates provide a dependable solution tailored to your needs.

Key Features:

  • Flexible Terms: Choose from a variety of term lengths to suit your financial goals, ranging from 6 Months to 3 Years

  • Minimum Deposit: Start investing with a minimum deposit of $500.00 today.

  • Federally Insured: Your investment is safe and secure, backed by federal insurance up to $250,000, ensuring peace of mind as your savings grow.​

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IRA Term Certificates

At County Excellence Federal Credit Union (FCU), we offer IRA Term Certificates, providing a secure and predictable way to grow your retirement savings with competitive, fixed dividend rates. By investing a set amount for a predetermined term, you can take advantage of higher earnings compared to standard savings accounts, all while enjoying potential tax benefits associated with Individual Retirement Accounts (IRAs).​

Key Features:

  • Flexible Terms: Choose from various term lengths to align with your retirement planning needs, ranging from 1-year to 3-year options.​

  • Competitive Dividend Rates: Benefit from attractive, fixed dividend rates that ensure consistent growth of your retirement funds throughout the chosen term.​

  • Low Minimum Deposit: Begin building your retirement savings with a minimum deposit of $500, making it accessible for members at different financial stages.​

  • Tax Advantages: Depending on the type of IRA you select—Traditional, Roth, or Coverdell Education Savings Account—you may enjoy tax-deferred or tax-free earnings, enhancing your retirement savings potential.​

County Excellence FCU IRA Savings Account

Planning for retirement is a crucial step toward financial security. At County Excellence Federal Credit Union (FCU), our IRA Savings Account offers a flexible and secure way to build your retirement nest egg while enjoying potential tax advantages.

Key Features:

  • Flexible Contributions: Contribute amounts that fit your financial situation up to the annual IRS limits, allowing you to tailor your savings plan to your retirement goals.​

  • Tax Advantages: Depending on the type of IRA you choose—Traditional or Roth—you may benefit from tax-deferred growth or tax-free withdrawals in retirement.​

  • No Minimum Deposit: Start your IRA Savings Account with any amount, making it accessible for all members to begin saving for retirement.​

Types of IRAs Offered

  • Traditional IRA: Contributions may be tax-deductible, and earnings grow tax-deferred until retirement, when withdrawals are taxed as ordinary income.​

  • Roth IRA: Contributions are made with after-tax dollars, but earnings and qualified withdrawals are tax-free, provided certain conditions are met.