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IRA and SEP Products

Helena Community Credit Union offers a variety of Individual Retirement Accounts that allow our members to choose which will work better for them. Members should feel free to visit with a Members Service Representative or phone our office (406-443-5400) if they have additional questions.

IRA Certificate

The IRA Certificate Account features a higher interest rate on a fixed term for Traditional IRA, Roth IRA, SEP IRA, or Coverdell ESA funds. You must have an IRA Accumulator to qualify for certificates. Terms range from 12 months to 36 months. Dividends are calculated daily, paid quarterly bases on a tiered structure. An early withdrawal penalty is based on the certificate term.

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