Certificates & IRAs

Share Certificates (CDs) allow members to earn higher rates of interest by agreeing to leave their funds on deposit for a specified time period.

Smart Saver Certificates (CD) are available to Members that are looking to earn more interest, flexibility of depositing throughout the term, and ability to have minimal liquidity.

Members can add deposits to their Smart Saver Certificate anytime during the year term and take one withdrawal during the term of the certificate without a penalty.

IRAs are designed to help you save for retirement. Blackhawk Community Credit Union offers Traditional and Roth IRAs, which can be a variable IRA Savings Account or fixed certificate (CD) of deposit.

Coverdell Education Savings Accounts are available and are a Savings Account with special tax exemptions. The Coverdell accounts can also be put into the variable or IRA CD account.