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SAVINGS SPECIAL! Open a 7-month or 8-month or Certificate of Deposit (CD) and earn up to 4.50% APY*.
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Home Personal Savings CDs & IRAsSave for the future your way .
It’s your future – so at Alltru, we give you a lot of different ways to save for it. Whether you’re putting money away for a short-term goal or saving for retirement. Our Certificates of Deposit (CDs) and Individual Retirement Accounts (IRAs) let you set money aside and earn more interest than a traditional savings account. Each account is federally insured up to $250,000 by the National Credit Union Administration (NCUA) .
View CD and IRA ratesTo Open a Certificate of Deposit (CD):
Book an Appointment Open OnlineTeresa
Alltru Member
CD Features
Certificates of Deposit (CDs)
Save on your timetable.
When you open a CD, you can start with just $250 and save from three months up to five years. Longer terms earn higher rates – but you’ll pay a penalty if you withdraw early.
Lock-in your interest rate.
Your interest rate is fixed when you open your account and won’t change until the CD reaches maturity (the end of your term).
Earn money every month.
Interest is compounded, or added to your account, every month.
IRA Features
Individual Retirement Accounts (IRAs)
Alltru IRAs help you secure your future with a higher rate of return – and no risk of market downturns. We offer three different savings options, depending on your goals and your specific tax situation. Please consult your tax advisor if you have any questions.
Traditional IRA
Save for retirement with pre-tax contributions.
Contributions to your IRA can reduce your taxable income, which can save you big at tax time every year. (Check with your tax advisor for full details.)
Grow your savings tax-free.
Your earnings will not be taxed until you make a withdrawal in retirement. Withdrawals are taxed as ordinary income.
Watch early withdrawal rules.
You can make withdrawals penalty-free after age 59 ½, or for qualified educational expenses, first-time home purchases, qualifying medical expenses, and more.
Roth IRA
Save for retirement after taxes.
Contributions to a Roth IRA are made after taxes, so they are not tax-deductible.
Make withdrawals – for the right reasons.
After five years, you will be able to make penalty-free withdrawals if you are 59 ½ or older, or if funds are needed for certain medical expenses, disability, death, education expenses or first-time home purchases.
Grow your savings tax-free.
Your earnings on your savings will not be taxed until you make a withdrawal. Only the earnings – not the money you deposited – will be subject to tax.
Coverdell Education IRA
Save money tax-free for your child’s education.
You can put aside $2,000 per year per child.
Cover elementary, high school or college education expenses.
Your account can be used to pay for tuition, books or computer equipment for your children.
Contribute until children turn 18.
You can make contributions until your child turns 18. Funds must be withdrawn before he or she turns 30.
Alltru CDs & IRAs
Type Term APY*Certificate of Deposit (CD)*
Earn more interest than a traditional savings account.
Learn more3 month
.20%
6 month
.60%
7 month
JUMBO CD¹
4.50%
8 month
CD Special Rate¹
3.75%
12 month
1.25%
18 month
1.30%
24 month
1.40%
36 month
1.40%
48 month
1.40%
60 month
1.40%
Individual Retirement Account (IRA)*
Plan for the future on your terms.
Learn more3 month
.20%
6 month
.60%
7 month
JUMBO IRA¹
4.50%
8 month
IRA Special Rate¹
3.75%
12 month
1.25%
18 month
1.30%
24 month
1.40%
36 month
1.40%
48 month
1.40%
60 month
1.40%
Alltru Savings AccountsHigh Yield Online Savings
Learn more1.90%
APY*
Money Market
Learn more.05%
APY*
RollUp Savings
Learn more5.01%
APY*
Currently ViewingCDs & IRAs
Learn moreUp to
4.50%
APY*
“I’ve been a member of Alltru for more than 35 years, and there’s no better place to bank.”
Marshal Alltru MemberMake the most of your money.
See how to meet your savings goalsStart saving for retirement.
Explore savings options
It never hurts to be prepared.
Get started with emergency savings
Let’s Talk
We’re in your neighborhood.
We are St. Louis, through and through. We have branches throughout the metro area. Plus, as a member you’ll have free access to hundreds of local ATMs.
Schedule an appointment Find a locationPhone: 636-916-8300
Toll Free: 1-800-288-7618
contactus@alltrucu.org
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Alltru About Board of Directors Careers News Contact Act Schedule an Appointment See Locations Find an ATM Open an Account Make a Loan Payment Alltru BlogDisclosures
*APY=Annual Percentage Yield. Rates effective 2/21/23. Rates are subject to change. Early withdraw penalties may apply for Certificates of Deposit (CDs) and Individual Retirement Accounts (IRAs). All CDs and IRAs require a minimum deposit of $250.
¹7 MONTH JUMBO CD/IRA RATE TERMS: 7 Month Jumbo Rate for CDs and IRAs requires $25,000 minimum deposit and 100% of funds as new funds not currently on deposit at Alltru. A penalty may be imposed for early withdrawal on Certificates of Deposit and IRA accounts.
¹8 MONTH SPECIAL CD/IRA RATE TERMS: 8 Month Special Rate for CDs and IRAs requires $250 minimum deposit and 50% of funds as new funds not currently on deposit at Alltru. A penalty may be imposed for early withdrawal on Certificates of Deposit and IRA accounts.
Effective 2/9/23, the 4.50% APY on an Alltru 7 Month Certificate of Deposit is 90 times higher than the .05% APY on an Alltru Primary Savings Account.
© 2023 Alltru Credit Union • Equal Housing Lender
Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.
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