
RETIREMENT
Set yourself for a bright and sunny future. Save early—and often. Levo Credit Union can help you get your retirement savings in order with Traditional or Roth IRAs. Stop in and open your account today.
SPECIAL OFFER - FOR A LIMITED TIME
Supporting Your Goals With Higher Yields

Certificates That Will Put Your Savings To Work For You.
Our Certificate pays competitive rates and is simple to set up.
- 4.57% APY** for 13 months
- Term - 13 months
- Minimum opening balance of $500
To open a Certificate, stop into one of our 6 convenient locations or give us a call at 605-334-2471 for more information. NOTE: Members can open a Certificate through your online or mobile banking.
**13-month Promotional Share Certificate Annual Percentage Yield (APY). The APY is an annualized rate that reflects estimated dividend earnings based on the dividend rate and frequency of compounding. Promotional Share Certificates are available for new and existing members of Levo Credit Union. Minimum opening deposit of $500. Penalty for early withdrawal. Rate current as of May 12, 2023. Limited time offer. Offer may be changed or discontinued at any time. The 13-month Promotional Share Certificate will automatically renew at maturity to a new 12-month share certificate rate. Federally insured by the NCUA.
Why Invest Here?
WE ARE FEDERALLY INSURED
Our retirement deposit accounts are federally insured. Why is this important? Because that means the National Credit Union Administration (NCUA) protects your funds from being wholly adversely affected by downturns in the stock market.
THERE ARE NO FEES
We have no setup fee, no maintenance fee and no ongoing monthly fees. Your retirement savings should be a nest egg for your future. All fees do is eat up your earnings, so we don't charge them. Your savings are all yours.
PAYROLL DEDUCTION OPTIONS
It’s important to keep budgeting simple. That’s why we give you the option of investing in IRA Shares, a savings account funded by payroll deductions that you designate yourself.
YOU CAN EARN INTEREST
There’s nothing like saving away a little extra retirement funding just for investing! Your Levo IRA account can also earn compounding interest—it’s one of the many benefits of being a credit union member.
Calculate Your Retirement
Account Options
WHICH IRA IS FOR YOU?
Your first decision is to choose which type of IRA you want to invest in. Our staff can give you specific guidance on each type, but here are the basics:
Savings | Minimum Balance | Dividend Rate | APY* | Term |
---|---|---|---|---|
UNDER $1,000 | $50 | 0.05% | 0.05% | N/A |
INDIVIDUAL RETIREMENT ACCOUNT - TIER 1 | $1,000 - $2,499.99 | 0.15% | 0.15% | N/A |
INDIVIDUAL RETIREMENT ACCOUNT - TIER 2 | $2,500 - $9,999.99 | 0.70% | 0.70% | N/A |
INDIVIDUAL RETIREMENT ACCOUNT - TIER 3 | $10,000 - $24,999.99 | 1.00% | 1.00% | N/A |
INDIVIDUAL RETIREMENT ACCOUNT - TIER 4 | $25,000 - $49,999.99 | 1.75% | 1.76% | N/A |
INDIVIDUAL RETIREMENT ACCOUNT - TIER 5 | $50,000 - $99,999.99 | 2.00% | 2.02% | N/A |
INDIVIDUAL RETIREMENT ACCOUNT - TIER 6 | $100,000 and up | 2.25% | 2.27% | N/A |
IRA SHARE CERTIFICATES
Certificate Term | Minimum Deposit | Dividend Rate | APY* | Term |
---|---|---|---|---|
3 MONTH CERTIFICATE | $2,500 | 1.00% | 1.00% | 3 |
6 MONTH CERTIFICATE | $2,500 | 4.60% | 4.65% | 6 |
1 YEAR CERTIFICATE | $500 | 3.25% | 3.29% | 12 |
13 MONTH CERTIFICATE SPECIAL | $500 | 4.50% | 4.58% | 13 |
18 MONTH CERTIFICATE | $500 | 3.00% | 3.03% | 18 |
2 YEAR SHARE CERTIFICATE | $500 | 3.25% | 3.29% | 24 |
3 YEAR SHARE CERTIFICATE | $500 | 2.50% | 2.52% | 36 |
4 YEAR SHARE CERTIFICATE | $500 | 2.50% | 2.52% | 48 |
5 YEAR SHARE CERTIFICATE | $500 | 2.50% | 2.52% | 60 |
*APY = Annual Percentage Yield. Rates and Annual Percentage Yields are subject to change without notice. A complete description of these accounts is available upon request, and will be provided at account opening.
**Limited time offer. Offer may be changed or discontinued at any time. The 13-month Promotional Share Certificate will automatically renew at maturity to a new 12-month share certificate rate.
Fees could reduce earnings on the account. The account requires a minimum opening deposit based on term and APY and is listed above. Early withdrawal(s) may be subject to either the Regulation D Penalty or the Early Withdrawal Fee. Some exceptions may apply.
The Regulation D Penalty is 7 days' simple interest and applies to:
- Withdrawals made within 7 days of account opening including the opening day.
- Withdrawals made during the grace period, when additional deposits are made during the grace period and the withdrawal exceeds the amount of the matured Share Certificate balance.
Withdrawals made after the first 7 days of account opening are subject to the Early Withdrawal Fee below:
- For terms less than three months (or less than 90 days), the fee is one month's interest.
- For terms three months (or 90 days) through 12 months (or 365 days), the fee is three months' interest.
- For terms over 12 months through 24 months, the fee is six months' interest.
- For terms over 24 months, the fee is 12 months' interest.
Share Certificate Rates Effective: 08/07/23