MVFCU offers a variety of short and long-term Share Certificates designed with low minimum balance requirements making it easy to save for your future. Whether you are looking for a short term certificate or want the security of a long term, fixed rate deposit we have the right products to fit your needs.

You can even pledge your certificate as collateral for a loan (except on IRAs), which offers more flexibility in your individual savings plan. Visit our rates page for specific product terms.

Individual Retirement Accounts

Start tax-deferred savings for your future today. A variety of accounts with flexible contribution programs are available.

IRA Share and Certificates

• Tax-deferred savings
• No minimum age requirement
• Contribute until the age of 70 ½
• No service fees
• Annual maximum amount varies*
• Possible qualification for tax deduction*

Roth IRA

Contributions on this type of IRA are taxed. All withdrawals, including earnings, are tax free if the account has been open for five years and the account holder is 59 ½ or older.*

Education IRA

Paying for qualified higher education expenses is possible with an Education IRA. Contributions are non-deductible, earnings are tax deferred and distributions are tax free if used to pay for the account beneficiary's tuition, fees, books, supplies, equipment, and/or room and board at an eligible college or vocational school.*