Open Accoun t ACU Long-Term Savings

Safe, secure, customizable.


ACU offers a variety of investment to put together long-term savings. It's never too early to plan for the future and our staff is here to make it easy.


Certificates of Deposit (CDs)Certificates of Deposit(CDs)

... Insured by NCUA

ACU offers some of the best Certificate of Deposit rates with the top rated stability and security of your local credit union

Certificates of Deposit (CDs) are an effective way to invest because they offer higher returns than regular savings without the risk of the stock market. Additionally, Arapahoe Credit Union can help you customize these into an investment plan to maximize every dollar you save, without hindering your lifestyle.


Our CDs are offered from terms of as little as 3 months to as long as 60 months (5 yrs), and we can open them for as little as $100. The longer you can leave your deposits with us, the better return you earn. Or, you can consider diversifying your savings to keep money available while still getting higher interest rates.

Arapahoe Credit Union Savings Calculator In addition to having a five-star stability rating from Bauer Financial, our member representatives are professional, courteous and specifically available to you as a resource. If you have any questions, please stop in or contact us.


Info, Rates and Disclosures

Traditional and Roth IRAsIndividual Retirement Accounts (IRAs)

... Insured by NCUA

IRAs are one of the best tools for reaching retirement goals. Arapahoe Credit Union will make sure that you get a competitive rate on your retirement investment while you enjoy tax benefits that can potentially increase your bottom line.

There are two routes you can take:

Traditional IRAs


A traditional IRA may give you a tax break up front. Contributions won't be taxed if you qualify so you are typically able to invest more. Then, you are taxed on the distributions you take when you turn 59 and 1/2 or have a qualifying event. Essentially, those looking for a tax break now or anticipate a lower income during retirement may best be served with a traditional IRA.

Roth IRAs


A Roth IRA works differently. In this case, you contribute to your investment after taxes. While this may lead to smaller contributions, what you invest grows without you worrying about future taxes. All distributions made when you qualify will be tax free. As such, Roth IRAs tend to be especially useful for people in a lower tax bracket or those who expect to take large distributions when they retire.

IRA Certificates of Deposit and Savings


Arapahoe Credit Union Savings Calculator Arapahoe Credit Union has a variety of options for either of our IRA types. f you prefer a more basic savings, we can definitely accommodate that. However, we also provide IRA CDs that might get you a better return. While we do recommend you speak to a tax advisor about your individual tax situation, we are also available to answer any other questions and help you get your accounts customized to meet your goals


Rates and Disclosures

Education SavingCoverdell Education Savings Accounts (ESAs)

... Insured by NCUA

The value of an education has perhaps never been greater, but the costs for it keep surging. It will be harder down the road to pay for your child's education so you need to consider your options now. Arapahoe Credit Union's Coverdell ESA investment provides you an opportunity to invest early so that your child is taken care of when the time comes.

Our investments are customizable and give you similar tax benefits to a Roth IRA.


You contribute after-tax dollars, but then enjoy tax free growth on whatever you contribute. Distributions are tax-free for qualifying expenses. We recommend you talk to an advisor for your individual tax questions, but Arapahoe Credit Union's staff is always available to help you implement your investment plan.

Coverdell Education Certificates of Deposit (CDs)


Arapahoe Credit Union Savings Calculator While we can offer you a basic savings account with the same tax benefits, CDs tend to be the best way to save. You will enjoy a higher rate of interest and we can make sure that they are set up so you don’t run into any kinds of penalties.

Contact us to answer your questions.


Rates and Disclosures


Financial Education Financial Education

Education can mean anything from planning strategies to knowing what products are available. Depending on where you are in life, this site provides a solid foundation.




Long Term Savings Future Value of Money

Future value of money is one of the least understood, and most important, pieces of investment knowledge. Understanding compound interest can greatly alter your strategies and planning.



Retirement Calculator Savings Calculator

Arapahoe Credit Union provides a staff of resident experts in the financial world. We also have tools such as this calculator to help you chart your future.




Prepare for Future Ways to Prepare

Preparation is essential to meeting your long term goals. A lot of people have a firm grasp on what needs to happen, but there can definitely be missed opportunities. Are you doing everything you can to retire comfortably?



Retirement Planning Retirement Planning

The government plays a large role in your retirement, from Social Security to taxes to everything else. Fortunately, they also provide additional tools and resources to help you out. See this site for more information.





Our Certificates of Deposit...

Certificates of deposit are guaranteed, safe and secure. Your rate is locked in from the day you open or renew a certificate and cannot go lower during that term. However, rates may change between renewal periods and you want to verify the prevailing rate at renewal or opening.

 

Got it!    Rates 


Our Certificates of Deposit...

Certificates of deposit are guaranteed, safe and secure. Your rate is locked in from the day you open or renew a certificate and cannot go lower during that term. However, rates may change between renewal periods and you want to verify the prevailing rate at renewal or opening.

 

Got it!    Rates 


Our Certificates of Deposit...

Certificates of deposit are guaranteed, safe and secure. Your rate is locked in from the day you open or renew a certificate and cannot go lower during that term. However, rates may change between renewal periods and you want to verify the prevailing rate at renewal or opening.

 

Got it!    Rates 


NCUA