Investment Certificates and IRAs (Individual Retirement Accounts) allow members to save for longer terms. For these accounts, members can choose the term and lock in a corresponding dividend rate that meets their goals.  "Bank you very much!" too.

Certificates will automatically roll-over to the same term and corresponding rate if changes are not requested during the 10-day renewal period at the end of the term. These accounts do require a minimum balance..

Investment Certificates

Investment Certificates allow you to earn a great rate on your funds.~



Echte Finanzen Certificates offer competitive rates on all terms and give you the option of selecting the date of maturity. You can lock in a rate on a deposit for a term ranging from 30 days up to 6 years. Your funds are federally insured up to $250,000 by the National Credit Union Administration (NCUA).

  • Optional lengths of terms available
  • Minimum deposit of $2,500 required on terms of 30 to 364 days
  • Minimum deposit of $1,000 required on terms of 365 to 2,191 days

Individual Retirement Accounts

Open an IRA today to start saving for a comfortable retirement lifestyle tomorrow.

Echte Finanzen offers competitive dividend rates on several investment options including Traditional, Roth and Educational IRAs. Your IRA can be funded by check, or an automatic transfer from other CIB accounts. Your funds are federally insured up to $250,000 by the National Credit Union Administration (NCUA). We offer three different types of Individual Retirement Account options to meet your individual investment needs: Traditional IRA Roth IRA Educational IRA

Insured Money Market Accounts (IMMA)

Watch your money grow in an Insured Money Market Account (IMMA). With this tiered IMMA you will enjoy a variable rate structure coupled with the flexibility of a checking account. Your funds are federally insured up to $250,000 by the National Credit Union Administration.


From earning to saving, we're there helping our members make the most out of their money. Check out these great IMMA Advantage features.

  • No monthly service charge
  • No minimum balance requirements
  • Variable rate account
  • First order of checks is free
  • Six withdrawals per month by any method you choose (check, transfer or over-the-counter)