IRAs and Certificates

You can plan for retirement and college expenses, or choose to build wealth through one of our secure investment tools.

IRAs

IRAs are a secure way to save for the future. We have various products to meet your specific financial goals.

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Share Certificates

Invest your money with minimum risk and a guaranteed return with a Credit Union Share Certificate (or Certificate of Deposit).

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Savings Bonds

Government bonds are a low-risk investment tool that allow you to save for future purchases. They also make wonderful gifts!

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Safety and Security

At our Credit Union, members’ shares (deposits) are insured by the National Credit Union Share Insurance Fund. The NCUSIF is an arm of the National Credit Union Administration, or NCUA, which is a federal government agency. Currently, properly established share accounts in federally-insured credit unions are insured up to $250,000. In April 2006, insurance coverage on certain retirement accounts, such as IRAs and Keoghs, was raised to $250,000.

In addition to insurance through the NCUSIF, Widget Financial is one of only 13 credit unions in Pennsylvania that provides all of its members with the benefit of Excess Share Insurance. Widget Financial provides $250,000 of additional private insurance on accounts that exceed the maximum level of insurance coverage provided by the National Credit Union Administration. Therefore, members are automatically insured up to $500,000 per account at no cost.

We are proud to offer this extensive level of safety and security to each of our members. Please contact us if you have additional questions about the level to which your deposits are insured.