At District Credit Union, we make investing simple and secure. Our credit union investment services in Aurora, CO, offer flexible options to help you grow your wealth, earn competitive dividends, and secure your financial future. Whether you’re looking for a Money Market Account, Share Certificate, or IRA, we provide the tools to help you invest wisely.
Money Market Accounts offer a balance between security and higher earnings. With tiered investment levels, members can earn dividends while maintaining easy access to their funds. These accounts allow for six preauthorized drafts per month and are insured by the National Credit Union Administration (NCUA) for up to $250,000.
Whether saving for short-term needs or long-term goals, a Money Market Account provides flexibility with the stability of credit union membership. Maintain a minimum balance of $1,000 to earn the best rates while enjoying the security of a federally insured financial institution.
For members looking to earn higher returns, Share Certificate Accounts provide a predictable, fixed-term investment with competitive dividend rates. With terms ranging from 3 months to 5 years, these accounts offer guaranteed growth with a minimum deposit of $500.
Jumbo Certificates provide even greater returns for members seeking long-term stability. By locking in a rate, members can ensure financial growth with peace of mind.
A secure future starts with smart investing. Explore our Individual Retirement Accounts (IRAs) designed to help you reach your long-term financial goals.
A Traditional IRA allows for tax-deductible contributions, reducing taxable income while securing retirement savings.
With a Roth IRA, withdrawals and earnings are tax-free in retirement, providing flexibility and long-term security.
A Coverdell Education Savings Account offers tax-advantaged growth, helping families save for educational expenses.
Making informed investment decisions is key to achieving financial success. Our investment tools and resources help members plan effectively.
Use this tool to calculate the potential interest earned on a Share Certificate investment.
Explore how laddering multiple Share Certificates with different maturity dates can maximize returns.
We’re here to help. Below, you’ll find answers to common questions about our credit union investment services, including how to open an account and maximize earnings.
A Money Market Account allows members to earn higher dividends while keeping their funds accessible. With tiered interest rates, members can earn more as they save more. These accounts also offer federal insurance through the NCUA and provide a flexible investment strategy without exposure to market risk.
A Share Certificate Account is a fixed-term investment offering guaranteed dividends. Members select a term length between 3 months and 5 years, securing a higher dividend rate compared to traditional savings accounts. These accounts are federally insured, providing a safe and stable investment option.
A Traditional IRA offers tax-deductible contributions, lowering taxable income, but withdrawals in retirement are taxed. A Roth IRA, funded with after-tax dollars, allows for tax-free withdrawals in retirement, making it ideal for those expecting higher future tax rates.
Money Market Accounts allow penalty-free withdrawals, while Share Certificates may incur early withdrawal penalties. IRAs follow specific IRS guidelines, with Traditional IRAs typically imposing a 10% penalty for withdrawals before age 59½ unless an exception applies.
Opening an investment account is easy and can be done online, over the phone, or in person at our Aurora, CO branch. Our investment representatives will help you select the right account, from Money Market Accounts to IRAs, ensuring it aligns with your long-term financial goals.
A diversified portfolio helps members balance investment risk while maximizing returns. Members can combine Money Market Accounts for liquidity, Share Certificates for stable growth, and IRAs for long-term retirement planning. Our investment professionals can help members build a strategy that aligns with their financial future.
The District Credit Union’s terms, privacy, and security policies do not apply to the external website you are about to visit. The District does not endorse, guarantee, or control any product, service, or content available on the external site. Additionally, The District is not responsible for the security or privacy practices of the external site, nor for the privacy or security of any information you may provide to others on the site. We encourage you to review the privacy policy of the external website for more details.
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