Individual Retirement Accounts (IRAs)
Every dollar counts when you're saving for retirement - Individual Retirement Accounts (IRAs) allow you to make the most of every dollar you save. IRAs are available in certificates or as a savings account.
The Traditional IRA allows you to defer taxes on your earnings until they are withdrawn. Think of it as a tax-deferred savings plan to keep you financially secure in your retirement years.
Looking for a secure, higher yield for your Retirement Accounts? Put your IRA in an IRA Certificate and kick it into high gear.
A Term Share Certificate allows you to earn high interest rates by agreeing to leave money in the credit union for a specified amount of time.
Term Share Certificates are the credit union equivalent of a bank Certificate of Deposit, or CD. Like CDs, these certificates require you to invest funds for a specific period of time, while you earn higher interest in the account. The length of a certificate can vary, but anywhere between 3 months to 60 months is common. Minnco has several terms to choose from, which helps the depositor, depending on how liquid they need their assets to be. If you withdraw your money before the term ends, you'll pay a penalty fee.
The minimum deposit for a Term Share Certificate is $500.
Principal: the money you initially deposit into the account
Term: The length of time the funds are required to be invested at the credit union
Date of Maturity: The date that the depositor is finally allowed to withdraw their money, which includes principal and earned interest, without penalty.
Planning for your future has never been easier than with Servion Financial Advisors and Cetera Advisor Networks, a national securities brokerage firm. This added service brings you access to a full range of investment services through Cetera Advisor Networks located right here at your credit union.
Randy W. Thiel, Financial Advisor, is now available by appointment during normal office hours to assist you with mutual funds, annuities, IRAs, investment planning, college planning and more.
As an existing member of the credit union, you can receive a complimentary consultation with Financial Advisor Randy W. Thiel. Investment services are offered for both individuals and businesses.
Pursue your financial future. Make the call!
Randy can be reached by appointment by
calling him directly at 651-787-9534
500 Main Street, Suite 100, New Brighton, MN 55112
Check the background of this investment professional on FINRA’s BrokerCheck.
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I can always count on many employees to know who I am and get my requests done even being out of state!Karen H.
I love Minnco because everyone is friendly and efficient. You can build a relationship with the staff at Minnco and be welcomed with a friendly face.Laura D.
It's not a national level chain of branch offices... it's local banking for local people.Paul A.
I grew up with them as a bank and they taught me about how banking works, and were always friendly, and made me less nervous when it was time to do things myself.Jessica B.
I love Minnco because they always make everything so easy. I have had several loans and the process is quick and easy.Cynthia
I love Minnco because I never feel like just a number to them. They take great pride in their members and they have always given me great service with a smile. I honestly could go on and on about the many reasons why I love them, because they are seriously amazing.Amanda W.
I love Minnco because they have always been there to help me with my banking needs. The staff are always super friendly whenever I have any questions.Cheryl W.
I have been a member since 1980 - and I wouldn't go to any other bank!!!!Nan L.
I love it when I come through the drive through and they know who I am and call me by name. This is personal service which is missed in the world today. It makes me feel like I am valued by Minnco.Emilie B.
Always there right away when I need them!Suzannah M.
I enjoy being able to call in when I need something and talk to someone local unlike the big banks. Your customer service is great and that goes a long way!Andrew J.
I love Minnco because of the fast service and friendly faces.Miah G.
I love Minnco because they know who I am, even through the car window!Melanie G.
Local, hometown, friendly bank. Due to the downturn in the economy many years ago, Minnco made it possible for us to get our life back on track financially after a job loss. We wouldn't be where we are today without their help years ago.Anne R.
Compared to any other bank I have been with or known people to use, Minnco is the best with service, especially when you need help.Katrina A.
Love the friendly, knowledgeable staff that will go above and beyond if/when needed. Great service without the corporate feel of the big banks.Sandy S.
Since Day 1, Minnco has been nothing but good to us and for us!!!Nate N.
Minnco has always been there for me. I have traveled all over the country and the world now for the Minnesota Guard. I have been able to always and reliably count on Minnco to have my back with customer service and great rates. Minnco is always helpful with whatever I need to be successful.Ross R.
Minnco has always been easy to work with for all of my questions and loan needs.Paul S.
I love the people, I love the ease ability of banking, and there is never any hassle when it comes to working with Minnco.Jeff W.