Certificates & IRAs

When you're ready to put your savings to work over a fixed term, Pelican's certificates and IRA accounts deliver guaranteed rates, tax advantages, and the security of NCUA insurance.

Certificates & IRAs
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Grow Your Savings with Confidence

Whether you're building toward retirement or locking in a strong rate for a set period, we have an option that fits.

Guaranteed rates locked in for the full term
Higher returns than standard savings accounts
NCUA-insured

Earn More With 3.75% APY with a 6-Month Share Certificate

available Account options

An account for every goal

When you open your account, you become an owner, not a line item on someone else's earnings report.

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    Share Certificates

    Earn more with confidence. Higher fixed rates, flexible terms, monthly dividends, and secure growth.

    Explore Share Certificates Options
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    IRA Certificates

    Traditional or Roth, fixed dividend rate for the term, quarterly dividends capitalized, potential tax advantages, NCUA-insured up to $250,000.

    Explore IRA Certificates Options
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Certificate vs. Savings Account

What's the Difference?

A savings account gives you flexible access to your funds anytime. A certificate locks your money in for a set term in exchange for a higher, fixed dividend rate. If you don't need access to the funds during the term, a certificate is typically the better-earning choice.

Common Questions