Certificates & IRAs
Grow. Protect. Prepare.
Grow Your Savings. Prepare for Tomorrow.
Some financial goals are just around the corner. Others are years away.
Whether you’re preparing for retirement, saving for a future milestone, or looking for a secure way to grow your money over time, Campus Credit Union offers long-term savings solutions designed to help you build financial confidence.
We’ll help you choose the option that best fits your timeline, your goals, and your future.
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When Will You Need Your Money?
The right savings solution isn’t just about how much you save. It’s also about when you’ll need access to your money.
If you can leave your savings untouched for a set period of time, a Share Certificate may help you earn more on your investment. If you’re planning for retirement, an IRA provides additional opportunities to prepare for the years ahead.
Whether you’re saving for retirement or another long-term goal, Campus Credit Union helps Wichita-area members compare savings solutions based on their timeline, financial goals, and future plans. We’ll help you understand your options and choose the one that’s right for you.
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Compare Your Long-Term Savings Options
Not sure which option is right for you? Use this quick comparison to see which solution best matches your financial goals and timeline.
| Best if you need... | Share Savings | Share Certificate | IRA Account | IRA Certificate |
|---|---|---|---|---|
| Everyday access | ✓ | |||
| Competitive dividend potential | ✓ | ✓ | ✓ | |
| Retirement savings | ✓ | ✓ | ||
| Fixed-term growth | ✓ | ✓ | ||
| Tax advantages* | ✓ | ✓ |
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Find the Right Long-Term Savings Solution
Share Certificates (CDs)
Best For: Savings you can leave untouched for a fixed period of time.
Ideal if You:
- Have savings you won’t need for a while.
- Want a predictable return
- Prefer a low-risk savings option
Key Features
- Fixed-term savings
- Competitive dividend potential
- Federally insured deposits
- Fixed returns for the selected term
Why Members Choose It
You might choose a Share Certificate if you’ve already built your emergency savings and won’t need these funds for several months or years.
IRA Accounts
Best For: Building retirement savings over the long term.
Ideal if You:
- Want to prepare for retirement
- Are looking for potential tax advantages
- Want retirement savings that can grow over time.
Key Features
- Traditional and/or Roth IRA options
- Retirement-focused savings
- Competitive dividend potential
- Flexible contribution opportunities
Why Members Choose It
IRA Accounts help members build retirement savings over time while taking advantage of specialized savings options designed for long-term financial security.
IRA Certificates
Best For: Retirement savings that can remain invested for a fixed term.
Ideal if You:
- Are planning for retirement
- Want predictable long-term growth
- Prefer a fixed-term retirement savings option
Key Features
- Certificate-based retirement savings
- Fixed-term options*
- Competitive dividend potential*
- Federally insured deposits
Why Members Choose It
IRA Certificates combine the security of fixed-term savings with retirement planning, making them a strong choice for members focused on long-term financial stability.
If you'll need your money within the next year, a traditional savings account may be the better choice. If your timeline is longer, a Share Certificate or IRA may help your savings grow more effectively.
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Why Save for the Future with Campus Credit Union?
Trusted Long-Term Financial Partner
Whether you’re saving for retirement or preparing for a future goal, Campus Credit Union is here to support every stage of your financial journey.
Helping Your Money Work Harder
Our long-term savings options are designed to help you earn more on money you don’t need today while giving you the confidence of federally insured deposits.
Guidance You Can Trust
Choosing between Certificates and IRAs can feel overwhelming. Our team is here to explain your options and help you choose the solution that best fits your financial goals.
Planning Beyond Today
As your financial needs evolve, Campus Credit Union offers savings, retirement, lending, and digital banking solutions designed to grow with you.
Need Help Choosing?
Not sure whether a Share Certificate, IRA Account, or IRA Certificate is the best fit? We’ll explain how each option works, answer your questions, compare current rates, and help you choose the long-term savings solution that best matches your financial goals and timeline.
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Frequently Asked Questions
What's the difference between a Share Certificate and a savings account?
A Share Savings account allows you to access your money whenever you need it. A Share Certificate is designed for money you can leave on deposit for a fixed period in exchange for the opportunity to earn a higher dividend rate.
What's the difference between an IRA and an IRA Certificate?
An IRA is a retirement savings account that may offer flexible contribution and investment options. An IRA Certificate combines the tax advantages of an IRA with the fixed-term structure of a Share Certificate.
How long are Share Certificate terms?
Campus Credit Union offers a variety of certificate terms. Visit our Rates page or speak with a Member Services Representative for current options.
Do Certificates earn higher dividends than savings accounts?
Certificate dividend rates are often higher than traditional savings accounts because funds remain on deposit for a fixed period. View current Rates or speak with a Member Services Representative for today’s dividend rates.
Can I withdraw money before my Certificate matures?
Early withdrawals may be subject to penalties. Review the account disclosures or speak with a Member Services Representative for details.
Can I open a Certificate or IRA online?
Many long-term savings accounts can be opened online. Our team is also available to help you compare options and complete the process.
Which option is right for me?
The answer depends on when you’ll need your money and what you’re saving for. If you’re unsure, our team will help you compare your options and recommend the solution that best fits your goals.
Are Share Certificates and IRAs federally insured?
Yes. Eligible deposits at Campus Credit Union are federally insured up to applicable limits. If you have questions about deposit insurance coverage, our team is happy to help.
Invest in Tomorrow, Starting Today.
Whether you're preparing for retirement, building long-term savings, or planning for life's next milestone, Campus Credit Union is here to help you prepare for tomorrow with confidence.