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CDs & IRAs

Take the time to build a brighter future  

Certificates offer nice payoffs in the short & long term.

Whether you're saving for college, retirement or something special for your family, Advantage One offers a safe way to make some extra money. Whether you decide on a six-month or 60-month Certificate of Deposit - or something in between - you'll earn more than you would with a traditional savings account. And generally, the longer you save, the more you'll end up with.

  • Flexible terms from six months to five years
  • Competitive fixed rates with dividends compounded quarterly
  • Minimum deposit of $1,000
  • Certificates are federally insured by the National Credit Union Association (NCUA).
  • Automatic renewal options
  • Can serve as collateral on personal loans, possibly reducing your loan rate
  • Special certificates for youth account holders can be opened with as little as $50 and additional contributions of $25 or more can be added at any time
  • View our rates

IRA Share Certificates

Your golden years lie ahead, and you want to make sure you have the resources to live comfortably. IRA Share Certificates make an excellent addition to your retirement portfolio, offering both predictable returns and potential tax advantages (please consult a tax advisor for additional tax information).

  • Choose from Traditional or Roth IRA certificates 
  • Terms range from one to five years
  • Minimum deposit of $1,000
  • Dividends are paid and compounded quarterly
  • Traditional IRAs may offer an annual tax deduction
  • With Roth IRAs, investments grow tax-free and withdrawals are tax-free
  • View our rates
Advantage One CU is a credit union serving members in Michigan and across the country.

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