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IRA & Share Certificates

You set the savings goal.
We’ll make sure it earns more.

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High Rates that Reward
Your Big Plans

A future home renovation, a wedding, a new car—or even your retirement. Whatever vision for the future you’re saving for, trust First Eagle to help it grow faster with guaranteed yields, reliable investment options, and a stress-free experience.
Check Our Rates
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Ditch the Risk—Not the Returns

  • Steady Yields, Not Surprises
  • Earn More Than Regular Savings Accounts
  • Flexible Timelines for Real Life
  • Start Growing With Just $500
  • Better Rates Than Big Banks

We get it: Investing the market or traditional retirement accounts can feel uncertain and unpredictable. Or you still want access to future funds in case of an emergency—without the withdrawal penalties. There’s an ideal solution to grow your nest egg safely: First Eagle Share Certificates and IRA Certificates.

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Two Great Options, Tailored For Your Timeline

Share Certificates

Make your short- to medium-term savings work harder

Save for a set amount of time and our Share Certificates reward your commitment with a high, guaranteed yield.

  • Start with just $500, or more to grow faster
  • Pick a timeframe that matches when you’ll need the money (6 months to 5 years)
  • Lock in your guaranteed rate on day one
  • Watch it grow automatically until it’s ready
  • No monthly fees, no maintenance
  • Early withdrawal penalties apply
Apply Now

IRA Certificates

Build retirement savings without market stress

Retirement accounts don’t have to be nerve-wracking. Our IRA Certificates give you guaranteed growth with tax advantages—perfect for conservative retirement savers.

  • Initial deposits as low as $500
  • Fixed rate terms from 1—5 years
  • Ladder your maturities to take advantage of market changes
  • No penalties for withdrawals after age 59½
  • NCUA insurance up to $250,000
Apply Now

Ready to Start Earning More?

We’re here to guide you. Open a certificate in minutes with:
  • Government-issued ID
  • Social Security Number
  • Just $500 to open your account
Open An Account
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New to First Eagle?

Becoming a member is easy! If you are a qualifying employee of one of our partner companies (or member of the employee’s family), simply start your application at the link below. Those First Eagle membership perks are just a click away!
  • All are welcome: Through First Eagle’s partnership with Financial Fitness Association (FFA), anyone who joins FFA is eligible to apply for First Eagle membership! Tap into financial education and better banking—Join below.
Join First Eagle

Quick Answers to Common Questions

What if I need my money before the timeframe ends?
You can access it, but you’ll pay an early withdrawal penalty (typically a portion of earned interest). This is the trade for guaranteed higher rates. Keep separate emergency savings for unexpected needs.
Think about when you’ll realistically need the money. Saving for something in 18 months? Choose a 1 or 2-year option. Unsure of your timeline? Shorter timeframes give more flexibility, or consider splitting across multiple lengths.
We’ll notify you before it’s time. Then you choose: take out the money, open a new certificate (at current rates), or let it automatically start over. You’re in control.
No—certificates are single deposits. Want to save more? Open additional certificates or keep using regular savings for ongoing deposits.
Yes. Federally insured up to $250,000 by NCUA. Unlike market investments, your principal is guaranteed. You know exactly what you’re getting.
No. Keep 3-6 months of expenses in regular savings for emergencies. Use certificates for money beyond that—money you know you won’t need immediately.

Questions? We're here to help.

Call us at 1-800-231-2022 or visit a branch near you.

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