Certificates/ CDs

A simple, secure way to earn more on your savings.

EPBECU Certificates, commonly known as CDs, allow you to earn a fixed dividend rate for a set period of time. With competitive rates and a variety of terms available, certificates can be a great option when you want to put your money to work without the ups and downs of the market. Your funds at EPBECU are federally insured by the National Credit Union Administration (NCUA) up to applicable limits, and your rate is fixed for the term of the certificate, giving you a predictable return on your savings.

Certificate Highlights

  • Minimum opening deposit of $500

  • A variety of terms available

  • Fixed dividend rate for the certificate term

  • Dividends paid according to the terms of the certificate

  • Automatic renewal on most certificates

  • 10-day grace period following maturity

  • Early withdrawal penalties may apply

Individual Retirement Accounts (IRAs)

Save today for the retirement you want tomorrow.

An Individual Retirement Account (IRA) can help you save for retirement while providing potential tax advantages. EPBECU offers IRA savings and certificate options to help you build your retirement savings in a way that works for you.

IRA Savings

An EPBECU IRA Savings Account gives you the flexibility to make contributions throughout the year while earning dividends on your savings. It's a simple option for members who want to build their retirement savings over time.

For 2026, the combined contribution limit for Traditional and Roth IRAs is $7,500, or $8,600 if you're age 50 or older, subject to IRS eligibility requirements. 

IRA Certificates

Looking for a fixed rate on your retirement savings? An EPBECU IRA Certificate allows you to earn a fixed dividend rate for a set term while keeping your funds in an IRA.

IRA certificates may also be an option for members looking to transfer or roll over eligible retirement funds.

A Few Things to Know

IRA contribution limits, tax deductions, withdrawals, and required minimum distributions are governed by IRS rules and can change over time. Traditional IRA withdrawals before age 59½ may be subject to an additional 10% federal tax unless an exception applies.

Have questions about opening or funding an EPBECU IRA? Give us a call or stop by one of our locations. We’ll be happy to explain the EPBECU account options available to you.

EPBECU does not provide tax or legal advice. Please consult a qualified tax professional regarding your individual circumstances. IRA terms, eligibility requirements, and applicable disclosures apply.

Money Market Accounts

Earn more while keeping your money within reach.

An EPBECU Money Market Account gives you the opportunity to earn a competitive dividend rate while maintaining more flexibility than a certificate. It can be a great choice for money you want to keep accessible while earning more than a traditional Savings Account.

Account Highlights

  • $2,500 minimum balance to earn dividends

  • $50 minimum deposit

  • $250 minimum withdrawal

  • Dividends earned daily and paid monthly

  • Variable dividend rate

  • No monthly service fee

  • EPBECU membership and a primary savings account are required

Ready to put your savings to work? Give us a call or stop by any EPBECU location, and we'll help you get started.