Investments

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The Traditional IRA allows you to defer taxes on your earnings until they are withdrawn.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.

Traditional and Roth IRAs
Traditional IRA
Roth IRA
Transfers, Rollovers and Conversions
IRA and Retirement Plan Distributions/Required Minimum Distributions (RMD)
Inherited IRAs

Certificates

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.

Investment Services

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
Branch Phone Number: 651-631-3111

Check the background of this investment professional on FINRA’s BrokerCheck.

Securities and advisory services offered through Cetera Advisor Networks LLC, member FINRA/SlPC, a broker-dealer and a Registered Investment Advisor. 

Investments are; ● Not NCUSIF insured. May lose value. Not financial institution guaranteed ● Not a deposit. Not insured by any federal government agency, Cetera is under separate ownership from any other named entity ●

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 All investing involves risk, including the possible loss of principal. There is no assurance that any investment strategy will be successful. For a comprehensive review of your personal situation, always consult with a tax or legal advisor. Neither Cetera Advisor Networks LLC nor any of its representatives may give legal or tax advice. Asset allocation is an investment strategy that will not guarantee a profit or protect you from loss.

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For information concerning the license status or disciplinary history of a Broker/Dealer, Registered Investment Advisor, Registered Representative, or Investment Advisor Representative, a consumer should contact his or her stated securities law administrator. Check the background of this investment professional on FINRA’s BrokerCheck. Investment products and services from this representative(s) available only to residents of Minnesota (MN). 

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