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CERTIFICATES & IRAs

Maximum Return. Minimum Risk.

Make your savings work as hard as you do

Want peace of mind and a guaranteed rate of return? An IRA or Certificate 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.

Let’s find a certificate that fits your needs:

  • Best if you want to:

    Best if you want to:

  • 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

  • Federally Insured by NCUA

    Federally Insured by NCUA

Share Certificates

  • Best if you want to:

    Earn higher dividend rates with flexible terms.

  • Minimum Opening Deposit

    $1,000

  • Term Length

    90 days to 5 years

  • Early Withdrawal Penalty

    May apply

  • Dividends

    0.55%

    to

    1.05%

    depending on term length, paid quarterly.

  • Renewals

    Ten-day grace period renewal at maturity

  • Bump-up rate available

  • Federally Insured by NCUA

FirstStep Certificates

  • Best if you want to:

    Begin or enhance your savings portfolio.

  • Minimum Opening Deposit

    $25
    Add to account at any time with minimum $10 deposit.

  • Term Length

    1 year

  • Early Withdrawal Penalty

    May apply

  • Dividends

    1.05%

    to

    2.03%

    depending on term length, paid quarterly.

  • Renewals

    Ten-day grace period renewal at maturity

  • Bump-up rate available

    No

  • Federally Insured by NCUA

Step Certificates

  • Best if you want to:

    Invest in a longer term certificate without missing out on future rate increases.

  • Minimum Opening Deposit

    $1,000 or $100,000 for Jumbo Step Certificate

  • Term Length

    21 months & 30 months

  • Early Withdrawal Penalty

    May apply

  • Dividends

    1.50%

    to

    4.10%

    depending on term length, paid quarterly.

  • 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.

  • Federally Insured by NCUA

Saving for retirement? Here are your options:

  • Best if you:

    Best if you:

  • 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

  • Federally Insured by NCUA

    Federally Insured by NCUA

IRA

  • Best if you:

    Have a slightly higher risk tolerance and are comfortable with market fluctuations.

  • Minimum Opening Deposit

    $25

  • Term Length

    Not applicable

  • Early Withdrawal Penalty

    May apply

  • Dividends

    1.50%

    to

    4.10%

    depending on term length, paid quarterly.

  • Renewals

    Not applicable

  • Bump-up rate available

    No

  • Federally Insured by NCUA

IRA Certificates

  • Best if you:

    Have a lower risk tolerance and want to save at an interest rate that is not subject to market fluctuations.

  • Minimum Opening Deposit

    $1,000

  • Term Length

    90 days to 5 years

  • Early Withdrawal Penalty

    May apply

  • Dividends

    0.55%

    to

    2.03%

    depending on term length, paid quarterly.

  • Renewals

    Ten-day grace period renewal at maturity

  • Bump-up rate available

  • Federally Insured by NCUA

IRA Step Certificates

  • Best if you:

    Want to invest in a longer term certificate without missing out on future rate increases.

  • Minimum Opening Deposit

    $1,000 or $100,000 for Jumbo Step IRA Certificate

  • Term Length

    21 months & 30 months

  • Early Withdrawal Penalty

    May apply

  • Dividends

    1.50%

    to

    4.10%

    depending on term length, paid quarterly.

  • 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.

  • Federally Insured by NCUA

Earn more with Keesler Federal Certificates

See current rates for IRA and Certificates

Term1

Minimum Balance Required

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
4Promotional rate available on new funds only.
5Regular rate for existing funds.
6Not available as IRA Certificates.

Term1

3 Month

Minimum Balance Required

$1,000.00

Rate2

0.55%

APY3

0.55%

Term1

6 Month

Minimum Balance Required

$1,000.00

Rate2

0.60%

APY3

0.60%

Term1

9 Month4

Minimum Balance Required

$1,000.00

Rate2

2.00%

APY3

2.00%

Term1

9 Month5

Minimum Balance Required

$1,000.00

Rate2

.65%

APY3

.65%

Term1

1 Year

Minimum Balance Required

$1,000.00

Rate2

1.05%

APY3

1.05%

Term1

1 Year FirstStep6

Minimum Balance Required

$25.00

Rate2

1.05%

APY3

1.05%

Term1

15 Month

Minimum Balance Required

$1,000.00

Rate2

1.10%

APY3

1.10%

Term1

18 Month

Minimum Balance Required

$1,000.00

Rate2

1.19%

APY3

1.20%

Term1

19 Month

Minimum Balance Required

$1,000.00

Rate2

1.25%

APY3

1.25%

Term1

2 Year

Minimum Balance Required

$1,000.00

Rate2

1.34%

APY3

1.35%

Term1

3 Year

Minimum Balance Required

$1,000.00

Rate2

1.54%

APY3

1.55%

Term1

3 Year Bump Rate

Minimum Balance Required

$1,000.00

Rate2

1.49%

APY3

1.50%

Term1

4 Year

Minimum Balance Required

$1,000.00

Rate2

1.79%

APY3

1.80%

Term1

5 Year

Minimum Balance Required

$1,000.00

Rate2

2.03%

APY3

2.05%

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:

  1. 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
  2. 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:

  1. 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
  2. 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.

A penalty will not apply if the withdrawal is made subsequent to the death of any owner of the certificate.

The maximum allowable to contribute to an IRA or aggregate of all IRAs is:

  • $6000 under age 50
  • $7000 age 50 and olderWith 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.

See all Certificates & IRA FAQs
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Disclosures

See our Truth in Savings statement for Deposit Account Rates, Terms & Fees

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