Photo of a person sitting cross legged on the ground holding a cup

Maximum Return. Minimum Risk.

CERTIFICATES & IRAs

family reading exclusive article

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.

Member Giveback

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:

  • 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

  • Member Giveback

    Member Giveback

Share Certificates

  • Best if you want to:

    Earn higher dividend rates with flexible terms.

  • Minimum Opening Deposit

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

  • Term Length

    90 days to 5 years

  • Early Withdrawal Penalty

    May apply

  • Dividends

  • Renewals

    Ten-day grace period renewal at maturity

  • Bump-up rate available

  • Federally Insured by NCUA

  • Member Giveback

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

  • Renewals

    Ten-day grace period renewal at maturity

  • Bump-up rate available

    No

  • Federally Insured by NCUA

  • Member Giveback

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

  • 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

  • Member Giveback

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

  • Member Giveback

    Member Giveback

IRA Certificates

  • 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

  • Term Length

    90 days to 5 years

  • Early Withdrawal Penalty

    May apply

  • Dividends

  • Renewals

    Ten-day grace period renewal at maturity

  • Bump-up rate available

  • Federally Insured by NCUA

  • Member Giveback

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

  • 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

  • Member Giveback

IRA

  • 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

  • Term Length

    Not applicable

  • Early Withdrawal Penalty

    May apply

  • Dividends

  • Renewals

    Not applicable

  • Bump-up rate available

    No

  • Federally Insured by NCUA

  • Member Giveback

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.
2All rates listed are subject to change without notice.
3Annual Percentage Yield.
4Not available as IRA Certificates.
5Maximum $150,000 per investment special, per member.

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

$1,000.00

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

0.70%

APY3

0.70%

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

1.09%

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.
*APY is annual percentage yield.
**Maximum $150,000 per investment special, per member.

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.
*APY is annual percentage yield.

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.
*APY is annual percentage yield.
**Maximum $150,000 per investment special, per member.

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.
*APY is annual percentage yield.

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.
*APY is annual percentage yield.

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.
*APY is annual percentage yield.

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.
2All rates listed are subject to change without notice.
3Annual Percentage Yield.

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

0.80%

APY3

0.80%

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%

View the Membership and Account Terms and Conditions for more information about your account.

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.

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.

See all Certificates & IRA FAQs
Stop by one of our branches
Find your nearest branch
Contact us
Send a message

Disclosures

View the Membership and Account Terms and Conditions for more information about your account.

Tell us about yourself