Certificates & IRA’s

Our Certificates give you a secure investment with a great opportunity for long-term growth.

If you are looking for a safe, secure investment that will not be impacted by financial market fluctuations, consider a Certificate from Our Community Credit Union.  Your funds are federally insured and you will earn a guaranteed dividend rate on your investment.Growing with Our Community Since 1941

    • Certificate terms of 6 months, 1 year and 2 year are eligible for a one time rate bump.*.
    • Dividends are earned daily and paid monthly.
    • All Certificates (excluding IRA certificates) are automatically renewable for your selected term if applicable.
    • Penalties will apply to only the portion of funds withdrawn: 60 days in loss of dividends for certificates with a term of 1 year or less and 180 days in loss of dividends for terms longer than 1 year.

Grow with OCCU Certificates!  Click the link below to view our most current rates! 

View Our Most Current Rates


Invest now and in most cases pay the taxes later. It’s one of the smartest ways to save for retirement.

Our Community Credit Union offers IRA’s in both Certificates and the following Deposit Accounts:

  • Traditional IRA
  • Roth IRA
  • Education IRA