Our branches will be closed on Monday, October 13th in observance of Columbus Day. All Fort Financial branches will reopen for normal business hours on Tuesday, October 14th. As a reminder, you can always access your account 24/7 with online and mobile banking. For a complete list of our observed holidays, click here.

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Certificates and IRAs

Online Access

Which long-term savings option is right for you?

You can choose from a variety of terms on our certificates and Individual Retirement Account (IRA) options to find the one that best supports your long-term savings plans.

Certificates

  • Save money for a set period of time while earning a set rate of return
  • $500 minimum opening balance
  • 3- to 60-month terms available
  • No additional deposits are permitted except at maturity
  • A penalty will incur if any principal is withdrawn before the maturity date

Open a Certificate

Traditional IRA Share Accounts

  • Save for retirement while your earnings grow tax-deferred until withdrawn
  • $1 minimum opening balance
  • Deposits are accepted at any time
  • Withdrawals can be made at any time
  • Contributions may be tax deductible. Consult a tax advisor.

Visit a branch to open an account

Traditional IRA Certificates

  • A long-term retirement saving option where your earnings grow tax deferred until they are withdrawn
  • $500 minimum opening balance
  • 12- to 60-month terms available
  • No additional deposits are permitted except at maturity
  • A penalty will incur if any principal is withdrawn before the maturity date
  • Contributions may be tax deductible. Consult a tax advisor.

Visit a branch to open an account

Roth IRA Share Accounts

  • A retirement savings options where contributions are not tax deductible
  • $1 minimum opening balance
  • Deposits are accepted at any time
  • Withdrawals can be made at any time

Visit a branch to open an account

Roth IRA Certificates

  • A long-term retirement savings option where contributions are not tax deductible
  • $500 minimum opening balance
  • 12- to 60-month terms available
  • No additional deposits are permitted except at maturity
  • A penalty will incur if any principal is withdrawn before the maturity date
  • Regular contributions can be withdrawn tax-free at any time.

Visit a branch to open an account

Coverdell ESA Certificates

  • Specifically designed for long-term savings for education purposes
  • Contributions are not tax deductible
  • $500 minimum opening balance
  • 12- to 60-month terms available
  • No additional deposits are permitted except at maturity
  • Distributions are tax-free as long as they are used for qualified education expenses before the owner reaches the age of 30. See current IRS guidelines for penalties.

Visit a branch to open an account

Savings Calculators

Retirement Savings and Planning

Certificate Rates
Effective Date: Monday, October 6th, 2025
Subject to change. APY = Annual Percentage Yield. Dividends are calculated daily and credited monthly.
Certificates TermsAPY | Dividend RateAPY | Dividend Rate
Minimum balance to open a certificate is $500

Learn more about our relationship levels program here

Premier & Access Premier Relationship Levels

Student, Basic, Access & Classic Relationship Levels

90-Day Certificate 0.80% | 0.80% 0.55% | 0.55%
6-Month Certificate 0.85% | 0.85% 0.60% | 0.60%
9-Month Certificate 1.50% | 1.49% 1.25% | 1.24%
12-Month Certificate 4.25% | 4.17% 4.00% | 3.93%
18-Month Certificate 3.50% | 3.44% 3.25% | 3.20%
24-Month Certificate 3.50% | 3.44% 3.25% | 3.20%
30-Month Certificate 3.25% | 3.20% 3.00% | 2.96%
36-Month Certificate 3.00% | 2.96% 2.75% | 2.72%
48-Month Certificate 3.00% | 2.96% 2.75% | 2.72%
60-Month Certificate 3.00% | 2.96% 2.75% | 2.72%

Traditional, Roth & Coverdell Certificates Rates
Effective Date: Monday, October 6th, 2025
Subject to change. APY = Annual Percentage Yield. Dividends are calculated daily and credited monthly.
Traditional, Roth &
Coverdell Certificate Term
APY | Dividend RateAPY | Dividend Rate
Minimum balance to open an IRA certificate is $500

Learn more about our relationship level program here

Premier & Access Premier Relationship Levels

Student, Basic, Access & Classic Relationship Levels

12-Month IRA/ESA Certificate 4.50% | 4.41% 4.25% | 4.17%
18-Month IRA/ESA Certificate 3.50% | 3.44% 3.25% | 3.20%
24-Month IRA/ESA Certificate 3.50% | 3.44% 3.25% | 3.20%
30-Month IRA/ESA Certificate 3.25% | 3.20% 3.00% | 3.20%
36-Month IRA/ESA Certificate 3.00% | 2.96% 2.75% | 2.72%
48-Month IRA/ESA Certificate 3.00% | 2.96% 2.75% | 2.72%
60-Month IRA/ESA Certificate 3.00% | 2.96% 2.75% | 2.72%

IRA Share Rates
Effective Date: Monday, October 6th, 2025
Subject to change. APY = Annual Percentage Yield. Dividends are calculated daily and credited monthly.
Type of AccountAnnual Percentage YieldDividend Rate
Coverdell ESA 0.50% 0.50%
Traditional 0.50% 0.50%
Roth 0.50% 0.50%
*$1 minimum opening deposit required
Minimum to earn dividends is $1

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