Individual Retirement Accounts (IRAs)
Protect the environment while you prepare to retire.
Put Your Money to Work for a Better Future
Every dollar you deposit into a Clean Energy retirement account funds your future and helps us make clean energy accessible to all.
Our Retirement Options
Both Traditional and Roth IRAs can be placed into three different investment options: savings account, certificates, and money market accounts.
Traditional IRA
Your funds grow in a tax-deductible way to save for retirement. Take advantage of tax-deferred growth now and pay taxes when you withdraw money during retirement.
Roth IRA
With a Roth IRA, you can pay taxes on your contributions now, and take advantage of tax-free withdrawals during retirement.
Today’s Rates
|
Deposit Balance1 |
Dividend Rate |
APY |
|---|---|---|
|
1 Minimum balance requirement = $100. |
||
|
Deposit Balance1 $100 |
Dividend Rate 0.20% |
APY 0.20% |
|
Deposit Balance1 2 |
Dividend Rate |
APY |
|---|---|---|
|
1 Minimum opening balance requirement = $2,500; ongoing minimum monthly balance requirement = $0. 2 Dividend rates for an IRA Money Market Account are 0.05% higher than the standard rates shown here. |
||
|
Deposit Balance1 2 $2,500 – $9,999 |
Dividend Rate 1.00% |
APY 1.00% |
|
Deposit Balance1 2 $10,000 – $49,999 |
Dividend Rate 1.07% |
APY 1.08% |
|
Deposit Balance1 2 $50,000 – $99,999 |
Dividend Rate 1.25% |
APY 1.26% |
|
Deposit Balance1 2 $100,000 – $199,999 |
Dividend Rate 1.35% |
APY 1.36% |
|
Deposit Balance1 2 $200,000 |
Dividend Rate 1.50% |
APY 1.51% |
|
Terms(2) |
$1,000 – $24,999(1) |
$25,000 – $99,999 |
$100,000+ |
|||
|---|---|---|---|---|---|---|
|
(1) Minimum balance requirement = $1,000. |
||||||
|
Terms(2) |
$1,000 – $24,999(1) Dividend Rate(3) |
APY |
$25,000 – $99,999 Dividend Rate(3) |
APY |
$100,000+ Dividend Rate(3) |
APY |
|
Terms(2) 6 months |
$1,000 – $24,999(1) 3.55% |
3.61% |
$25,000 – $99,999 3.65% |
3.71% |
$100,000+ 3.75% |
3.82% |
|
Terms(2) 1 year |
$1,000 – $24,999(1) 3.80% |
3.87% |
$25,000 – $99,999 3.90% |
3.97% |
$100,000+ 4.00% |
4.07% |
|
Terms(2) 2 years |
$1,000 – $24,999(1) 2.80% |
2.84% |
$25,000 – $99,999 2.85% |
2.89% |
$100,000+ 2.90% |
2.94% |
|
Terms(2) 3 years |
$1,000 – $24,999(1) 2.10% |
2.12% |
$25,000 – $99,999 2.15% |
2.17% |
$100,000+ 2.20% |
2.22% |
|
Terms(2) 3 years (bump up option)(4) |
$1,000 – $24,999(1) 2.05% |
2.07% |
$25,000 – $99,999 2.10% |
2.12% |
$100,000+ 2.15% |
2.17% |
|
Terms(2) 4 years |
$1,000 – $24,999(1) 2.15% |
2.17% |
$25,000 – $99,999 2.20% |
2.22% |
$100,000+ 2.25% |
2.27% |
|
Terms(2) 5 years |
$1,000 – $24,999(1) 2.20% |
2.22% |
$25,000 – $99,999 2.25% |
2.27% |
$100,000+ 2.30% |
2.32% |
|
Terms(2) 10 years |
$1,000 – $24,999(1) 2.30% |
2.32% |
$25,000 – $99,999 2.35% |
2.38% |
$100,000+ 2.40% |
2.43% |
See What Your Retirement Can Do
Calculate the impact of your retirement dollars and how they can offset carbon emissions.
Got Questions? We’ve Got Answers.
First, you need to ensure that you’re eligible to join Clean Energy Credit Union by being in its “field of membership,” which currently includes being one of the following:
- A member of one of the following organizations:
- African-American Credit Union Coalition
- American Solar Energy Society
- Association of Energy Service Professionals
- Colorado Renewable Energy Society
- Electric Auto Association
- Engineers for a Sustainable World
- Georgia Solar Energy Association
- Green America
- GreenHome Institute
- Illinois Solar Energy Association
- Midwest Renewable Energy Association
- Northeast Sustainable Energy Association
- Polar Bear Sustainable Energy Co-op
- RENEW Wisconsin
- Renewable Energy Owners Coalition of America
- Solar United Neighbors
- Texas Solar Energy Society
- Women of Renewable Industries and Sustainable Energy
- An employee or volunteer of one of the following organizations:
- A member of the immediate family or household of someone who is eligible via one of the above options or of someone who is already a member of Clean Energy Credit Union
If you’re not already eligible to join Clean Energy Credit Union, you can consider joining one of the above organizations. An individual membership in American Solar Energy Society, for example, currently costs as little as $10 (NOTE: you must enter the discount code and select a Digital-Only Basic membership). Click here to learn more about the field of membership partner organizations listed above.
After confirming your eligibility, you would then open a “share account” (i.e. savings account) with a $5 minimum deposit which would serve as your ownership share in Clean Energy Credit Union. Once someone becomes a member of the Credit Union, they are a member for life. Click here to join Clean Energy Credit Union.
In case it helps, here’s some background on what a credit union “field of membership” is: although credit unions provide similar services as banks, they are different from banks in many ways. For example, a credit union is a not-for-profit, financial services cooperative that exists solely to serve its members and to fulfill its mission, whereas a bank exists to maximize financial returns for its stockholders. Another difference is that a bank can serve the general public whereas a credit union can only serve its “field of membership,” which is defined by regulators as the people and entities that are legally eligible to join the credit union. Ultimately, a credit union’s field of membership is comprised of one or more groups of people and entities that all have something in common that binds them together in some way. Many credit unions have a field of membership that includes people who work for a certain employer, or who live in a certain geographic area, or who are members of the same professional association or religious organization.
Yes, you can either click on the “Chat” bottom at the top and bottom of each page on our website, or you can call us at 720-479-7900.
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