An IRA (Individual Retirement Account) is a worthwhile investment program designed to let you save – with many tax advantages – for the future while earning interest. It’s never too early to start building a nest egg for retirement. For only a $10 minimum deposit, you can start a retirement savings with CTCU’s IRA Savings account. With an IRA Share Certificate, your rate is fixed throughout the term you choose, from 3 months and up to 5 years. Share Certificates require a $500 minimum deposit to open.