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Certificates & IRAs

Grow Savings with Certificates and IRAs

Keesler Federal certificates and IRA certificates offer fixed dividend rates and predictable returns over a set term. Compare options to find the savings strategy that supports your long-term financial goals.

Compare Share and FirstStep Certificates

Review the features of Share Certificates and FirstStep Certificates to see which option fits your savings goals. Compare account requirements, term options, and dividend benefits side by side.
Best if you want to:
Minimum Opening Deposit
Term Length
Early Withdrawal Penalty
Dividends
Renewals
Federally Insured by NCUA
Member Giveback

Share Certificates

Earn higher dividend rates with flexible terms.
$1,000 or $100,000 for Jumbo Certificate
6 months to 5 years
May apply
Ten-day grace period renewal at maturity

FirstStep Certificates

Begin or enhance your savings portfolio.
$25. Add funds anytime with minimum $10 deposit.
1 year
May apply
Ten-day grace period renewal at maturity

Compare IRA and IRA Certificates

Explore the differences between IRA savings accounts and IRA Certificates to determine which option supports your retirement strategy. Compare flexibility, growth potential, and account features.
Best if you:
Minimum Opening Deposit
Term Length
Early Withdrawal Penalty
Dividends
Renewals
Federally Insured by NCUA
Member Giveback

IRA Certificates

IRA Certificates are housed in a tax deferred, NCUA insured status, but can be invested in a number of terms with different rates of return. Rates are also subject to change.
$1,000 or $100,000 for Jumbo IRA Certificate
6 months to 5 years
May apply
Click here for dividend information
Ten-day grace period renewal at maturity

IRA

An IRA is a retirement account that is invested in a tax deferred, NCUA insured, fixed rate product. While IRA rates are fixed, they are subject to change.
$0
Not applicable
May apply
Click here for dividend information
Not applicable

View Share & IRA Certificate Rates

See the latest dividend rates for Keesler Federal certificates and IRA certificates to help you choose the right savings option.
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Benefits of Certificate Accounts

Certificates help members grow savings with predictable earnings and structured terms. Explore how certificate accounts can support both short-term and long-term savings goals.
Predictable Earnings

Certificate accounts offer fixed dividend rates for the full term of the certificate. This allows members to grow savings with predictable returns that are not affected by market changes.

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Predictable Earnings

Certificate accounts offer fixed dividend rates for the full term of the certificate. This allows members to grow savings with predictable returns that are not affected by market changes.

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Choose Your Term

Keesler Federal certificates are available in multiple term lengths, allowing members to choose the option that best supports their savings timeline and financial goals.

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IRA Certificate Options

IRA certificates combine the stability of fixed-rate savings with the tax advantages of retirement accounts. Members can choose Traditional or Roth IRA certificates depending on their retirement planning strategy.

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FirstStep Certificates

FirstStep Certificates help young savers build strong financial habits early. These certificates introduce structured saving while earning dividends over a set term.

Rates

Term1

Minimum Balance Required

Dividend Rate2

APY3

1Early withdrawal penalties apply. IRS early withdrawal penalties may apply on IRA withdrawals.

2All rates listed are subject to change without notice.

3Annual Percentage Yield.

4Not available as IRA Certificates.