• Certificates of Deposit

    Single, various terms in the ranges of 6 months, 1, 2, or 3 years in length. All certificates are federally insured for at least $250,000.00 per member (up to $250,000.00 for IRA certificates). Certificates are subject to an early withdrawal penalty equal to 90 days interest on the amount withdrawn. Minimum balance of $500 required for all certificates.

  • IRA

    Mountain Gem Credit Union offers two instruments for your IRA: an IRA Share account (for those ages 70 ½ and over who are required to take their Minimum Disbursements) and our Certificate of Deposits for all other IRA accounts.

    Mountain Gem offers three types of IRA accounts:

    • Traditional
    • Roth
    • Coverdell Educational

    We also honor rollovers, re-characterizations, and other transfers. Please speak to a licensed financial consultant (such as a CPA, CFP, etc.) before making your decision.