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IRA Certificates

Make retirement a reality

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  • Share Certificates with terms between 6 and 30 months
  • Automatic transfers to make saving easier
  • No maintenance fees

Check out our IRA Certificate Rates

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Starting Small

Saving for retirement isn’t about big chunks of change, it’s about consistency and starting early. Open an IRA Share account today with only $5. Then, you can open an IRA Certificate with just $100. Our IRA Certificates have great rates, and may come with significant tax advantages. Plus, your IRA Certificates are insured separately to at least $250,000.

We'd love to help you start planning for your future!

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No, once you open the IRA Share Certificate, you cannot add on to it.

You can check your balance 24/7 days week by using our automated phone banking, HomeTeller. You can also speak to one of our representatives during normal business hours.

The routing number and transit number for LBS Financial is 322276855.


*Must open an additional Credit Union Share account (IRA Share) with $5 prior to opening an IRA Certificate