Maximum Return. Minimum Risk.
CERTIFICATES & IRAs
Make your savings work as hard as you do
Want peace of mind and a guaranteed rate of return? An certificate or IRA may be the best option for you.
Enjoy Flexible Terms
Terms for our share certificates range from 90 days to 5 years, so you can decide how long to let your funds mature.
Get Higher Dividends
Our share certificate and IRA options make your money work harder so you don’t have to do the heavy lifting.
Bump Up Your Rate
Get the most bang for your buck. Some certificate options allow you to bump up your rate once during the length of the term.
As an added bonus, having any certificate with us makes you eligible for our monthly Member Giveback drawing.
Current Giveback Winners Official Contest Rules
Let’s find a certificate that fits your needs:
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Best if you want to:
Best if you want to:
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Minimum Opening Deposit
Minimum Opening Deposit
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Term Length
Term Length
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Early Withdrawal Penalty
Early Withdrawal Penalty
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Dividends
Dividends
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Renewals
Renewals
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Bump-up rate available
Bump-up rate available
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Federally Insured by NCUA
Federally Insured by NCUA
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Share Certificates
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Best if you want to:
Earn higher dividend rates with flexible terms.
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Minimum Opening Deposit
$1,000 or $100,000 for Jumbo Certificate
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Term Length
90 days to 5 years
-
Early Withdrawal Penalty
May apply
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Dividends
-
Renewals
Ten-day grace period renewal at maturity
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Bump-up rate available
-
Federally Insured by NCUA
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FirstStep Certificates
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Best if you want to:
Begin or enhance your savings portfolio.
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Minimum Opening Deposit
$25
Add to account at any time with minimum $10 deposit. -
Term Length
1 year
-
Early Withdrawal Penalty
May apply
-
Dividends
-
Renewals
Ten-day grace period renewal at maturity
-
Bump-up rate available
No
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Federally Insured by NCUA
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Step Certificates
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Best if you want to:
Invest in a longer term certificate without missing out on future rate increases.
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Minimum Opening Deposit
$1,000 or $100,000 for Jumbo Step Certificate
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Term Length
21 months & 30 months
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Early Withdrawal Penalty
May apply
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Dividends
-
Renewals
Ten-day grace period renewal at maturity
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Bump-up rate available
For 21-month certificate, rate steps up after the first 7 months and again at 14 months. For 30-month certificate, rate steps up after the first 10 months and again at 20 months.
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Federally Insured by NCUA
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Saving for retirement? Here are your options:
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Best if you:
Best if you:
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Minimum Opening Deposit
Minimum Opening Deposit
-
Term Length
Term Length
-
Early Withdrawal Penalty
Early Withdrawal Penalty
-
Dividends
Dividends
-
Renewals
Renewals
-
Bump-up rate available
Bump-up rate available
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Federally Insured by NCUA
Federally Insured by NCUA
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IRA Certificates
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Best if you:
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. -
Minimum Opening Deposit
$1,000 or $100,000 for Jumbo IRA Certificate
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Term Length
90 days to 5 years
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Early Withdrawal Penalty
May apply
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Dividends
-
Renewals
Ten-day grace period renewal at maturity
-
Bump-up rate available
-
Federally Insured by NCUA
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IRA Step Certificates
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Best if you:
Want to invest in a longer term certificate without missing out on future rate increases.
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Minimum Opening Deposit
$1,000 or $100,000 for Jumbo Step IRA Certificate
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Term Length
21 months & 30 months
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Early Withdrawal Penalty
May apply
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Dividends
-
Renewals
Ten-day grace period renewal at maturity
-
Bump-up rate available
For 21-month certificate, rate steps up after the first 7 months and again at 14 months. For 30-month certificate, rate steps up after the first 10 months and again at 20 months.
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Federally Insured by NCUA
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IRA
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Best if you:
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. -
Minimum Opening Deposit
$0
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Term Length
Not applicable
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Early Withdrawal Penalty
May apply
-
Dividends
-
Renewals
Not applicable
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Bump-up rate available
No
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Federally Insured by NCUA
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Earn more with Keesler Federal Certificates
Share & IRA Certificate Rates
Term1 |
Minimum Balance Required |
Dividend Rate2 |
APY3 |
---|---|---|---|
1Early withdrawal penalties apply. IRS early withdrawal penalties may apply on IRA withdrawals. |
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Term1 6 Month |
Minimum Balance Required $1,000.00 |
Dividend Rate2 0.35% |
APY3 0.35% |
Term1 9 Month |
Minimum Balance Required $1,000.00 |
Dividend Rate2 0.40% |
APY3 0.40% |
Term1 1 Year |
Minimum Balance Required $100.00 |
Dividend Rate2 0.60% |
APY3 0.60% |
Term1 1 Year FirstStep4 |
Minimum Balance Required $25.00 |
Dividend Rate2 1.05% |
APY3 1.05% |
Term1 15 Month5 |
Minimum Balance Required $0.01 |
Dividend Rate2 2.23% |
APY3 2.25% |
Term1 18 Month |
Minimum Balance Required $1,000.00 |
Dividend Rate2 4.43% |
APY3 4.50% |
Term1 19 Month |
Minimum Balance Required $1,000.00 |
Dividend Rate2 0.75% |
APY3 0.75% |
Term1 2 Year |
Minimum Balance Required $1,000.00 |
Dividend Rate2 0.85% |
APY3 0.85% |
Term1 3 Year |
Minimum Balance Required $1,000.00 |
Dividend Rate2 0.80% |
APY3 0.80% |
Term1 3 Year Bump Rate |
Minimum Balance Required $1,000.00 |
Dividend Rate2 0.85% |
APY3 0.85% |
Term1 4 Year |
Minimum Balance Required $1,000.00 |
Dividend Rate2 1.10% |
APY3 1.10% |
Term1 5 Year |
Minimum Balance Required $1,000.00 |
Dividend Rate2 1.34% |
APY3 1.35% |
21 Month Step Special Certificate Rates - No Minimum to Open
Type |
First 7 Months Interest Rate |
Second 7 Months Interest Rate |
Final 7 Months Interest Rate |
Blended APY* |
---|---|---|---|---|
Early withdrawal penalties may apply. All rates subject to change with out notice. |
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Type 21 Month Step** |
First 7 Months Interest Rate 1.75% |
Second 7 Months Interest Rate 2.75% |
Final 7 Months Interest Rate 3.75% |
Blended APY* 2.80% |
Type 21 Month Step IRA** |
First 7 Months Interest Rate 1.75% |
Second 7 Months Interest Rate 2.75% |
Final 7 Months Interest Rate 3.75% |
Blended APY* 2.80% |
21 Month Step Business Certificate Rates - $1000 Minimum to Open
Type |
First 7 Months Interest Rate |
Second 7 Months Interest Rate |
Final 7 Months Interest Rate |
Blended APY* |
---|---|---|---|---|
Early withdrawal penalties may apply. All rates subject to change with out notice. |
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Type 21 Month Step Business |
First 7 Months Interest Rate 0.30% |
Second 7 Months Interest Rate 0.80% |
Final 7 Months Interest Rate 1.30% |
Blended APY* 0.80% |
30 Month Step Special Certificate Rates - No Minimum to Open
Type |
First 10 Months Interest Rate |
Second 10 Months Interest Rate |
Final 10 Months Interest Rate |
Blended APY* |
---|---|---|---|---|
Early withdrawal penalties may apply. All rates subject to change with out notice. |
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Type 30 Month Step** |
First 10 Months Interest Rate 2.60% |
Second 10 Months Interest Rate 3.60% |
Final 10 Months Interest Rate 4.60% |
Blended APY* 3.75% |
Type 30 Month Step IRA** |
First 10 Months Interest Rate 2.60% |
Second 10 Months Interest Rate 3.60% |
Final 10 Months Interest Rate 4.60% |
Blended APY* 3.75% |
30 Month Step Business Certificate Rates - $1000 Minimum to Open
Type |
First 10 Months Interest Rate |
Second 10 Months Interest Rate |
Final 10 Months Interest Rate |
Blended APY* |
---|---|---|---|---|
Early withdrawal penalties may apply. All rates subject to change with out notice. |
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Type 30 Month Step Business |
First 10 Months Interest Rate 0.50% |
Second 10 Months Interest Rate 1.00% |
Final 10 Months Interest Rate 1.50% |
Blended APY* 1.01% |
21 Month Jumbo Certificate Rates - $100,000 Minimum to Open
Type |
First 7 Months Interest Rate |
Second 7 Month Interest Rate |
Final 7 Months Interest Rate |
Blended APY* |
---|---|---|---|---|
Early withdrawal penalties may apply. All rates subject to change with out notice. |
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Type 21 Month Step Jumbo |
First 7 Months Interest Rate 0.40% |
Second 7 Month Interest Rate 0.90% |
Final 7 Months Interest Rate 1.40% |
Blended APY* 0.90% |
Type 21 Month Step IRA Jumbo |
First 7 Months Interest Rate 0.40% |
Second 7 Month Interest Rate 0.90% |
Final 7 Months Interest Rate 1.40% |
Blended APY* 0.90% |
Type 21 Month Step Business Jumbo |
First 7 Months Interest Rate 0.40% |
Second 7 Month Interest Rate 0.90% |
Final 7 Months Interest Rate 1.40% |
Blended APY* 0.90% |
30 Month Step Jumbo Certificate Rates - $100,000 Minimum to Open
Type |
First 10 Months Interest Rate |
Second 10 Months Interest Rate |
Final 10 Months Interest Rate |
Blended APY* |
---|---|---|---|---|
Early withdrawal penalties may apply. All rates subject to change with out notice. |
||||
Type 30 Month Step Jumbo |
First 10 Months Interest Rate 0.60% |
Second 10 Months Interest Rate 1.10% |
Final 10 Months Interest Rate 1.60% |
Blended APY* 1.11% |
Type 30 Month Step IRA Jumbo |
First 10 Months Interest Rate 0.60% |
Second 10 Months Interest Rate 1.10% |
Final 10 Months Interest Rate 1.60% |
Blended APY* 1.11% |
Type 30 Month Step Business Jumbo |
First 10 Months Interest Rate 0.60% |
Second 10 Months Interest Rate 1.10% |
Final 10 Months Interest Rate 1.60% |
Blended APY* 1.11% |
Jumbo Share & IRA Certificates
Term1 |
Minimum Balance Required |
Dividend Rate2 |
APY3 |
---|---|---|---|
1Early withdrawal penalties apply. IRS early withdrawal penalties may apply on IRA withdrawals. |
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Term1 3 Month |
Minimum Balance Required $100,000 |
Dividend Rate2 0.35% |
APY3 0.35% |
Term1 6 Month |
Minimum Balance Required $100,000 |
Dividend Rate2 0.45% |
APY3 0.45% |
Term1 9 Month |
Minimum Balance Required $100,000 |
Dividend Rate2 0.50% |
APY3 0.50% |
Term1 1 Year |
Minimum Balance Required $100,000 |
Dividend Rate2 0.70% |
APY3 0.70% |
Term1 18 Month |
Minimum Balance Required $100,000 |
Dividend Rate2 4.43% |
APY3 4.50% |
Term1 2 Year |
Minimum Balance Required $100,000 |
Dividend Rate2 0.95% |
APY3 0.95% |
Term1 3 Year |
Minimum Balance Required $100,000 |
Dividend Rate2 0.90% |
APY3 0.90% |
Term1 3 Year Bump Rate |
Minimum Balance Required $100,000 |
Dividend Rate2 0.95% |
APY3 0.95% |
Term1 4 Year |
Minimum Balance Required $100,000 |
Dividend Rate2 1.19% |
APY3 1.20% |
Term1 5 Year |
Minimum Balance Required $100,000 |
Dividend Rate2 1.44% |
APY3 1.45% |
Certificates & IRA Calculators
Certificates & IRAs FAQs
If the withdrawal does not reduce the certificate funds below the required minimum balance for this type of certificate, the member shall forfeit at the certificate rate an amount equal to the lesser of:
- All dividends for 90 days from the amount withdrawn for certificates with a term of 1 year or less; or all dividends for 180 days on the amount withdrawn for certificates greater than 1 year; or
- All dividends on the amount withdrawn since date of issuance or renewal.
If the amount withdrawn reduces the certificate funds below the required minimum balance for this type of certificate, the entire certificate will be canceled and the member shall forfeit at the certificate rate* an amount equal to the lesser of:
- All dividends for 90 days on the entire amount of the certificate if the certificate is for a term of 1 year or less; or all dividends for 180 days on the entire amount of the certificate if the certificate is for a term of 1 year or more; or
- All dividends on the entire certificate since the date of issuance or renewal.
* The term “certificate rate” also includes the “bump rate”, if applicable, when calculating the early withdrawal penalty.
The maximum allowable to contribute to an IRA or aggregate of all IRAs is:
- $6,500 under age 50
- $7,500 age 50 and older with earned income of at least the amount that you want to contribute
No, as long as you are working and have reportable income you can contribute up to the maximum allowable each year as long as it does not exceed what you have earned for the year.