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Certificate of Deposit

For a higher rate of return on your savings, you might be interested in a Certificate of Deposit (CD). We offer CD terms from 1-5 years that feature:

  • Competitive rates for the term of certificate
  • Optional automatic renewal at maturity
  • Interest calculated daily; three interest payment options:
    • Full interest paid at maturity
    • Interest compounded quarterly (added to certificate)
    • Monthly interest transfers to your Vibe Checking or Savings account
  • Low $500 minimum deposit
  • Partial withdrawals allowed, subject to penalty
  • Vibe early withdrawal penalties: 90 days interest on one year; 180 days interest on all others
  • Certificate renewal notices sent seven (7) days prior to maturity; renewed automatically if no response; seven (7) day grace period for renewals; renewal acknowledgment sent on request
  • Safety - CDs are included in NCUA $250,000 share insurance coverage.

IRA

Choose Vibe to be your "safe place" in your Individual Retirement Account (IRA) portfolio. We offer both Traditional and Roth IRA CDs.

Traditional IRAs grow tax deferred, and depending on your gross annual income, may allow you a tax deduction. For 2014, singles may be eligible to contribute up to $5,500 (or $6,500 for age 50 and older). A married couple may be eligible to contribute a total of $11,000 per year ($13,000 for age 50 and older), even if one person is not employed. You can also rollover funds from another IRA or qualified pension plan to your Vibe IRA.

Roth IRAs provide for tax-free growth. Contributions are non-deductible, but can be withdrawn without federal penalty or taxation. Earnings can be withdrawn tax-free if done under qualifying IRS regulations.

Rates That Rock!

We offer rates as low as:

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