strategic distributions
in retirement
Leveraging Required Minimum Distributions
When income changes in retirement, a distribution strategy to protect your earnings will help make it last. Multipli Credit Union is here to help you make the most of your Required Minimum Distributions (RMDs).
Make the Most of Your RMD
While your RMDs are likely to go toward your daily costs of living, you may also consider reinvesting these funds to protect your legacy. Depositing funds into a high-yield savings account can help maintain your financial cushion and protect your peace of mind throughout retirement.
Multipli Credit Union offers several high-yield deposit accounts with flexible options so your savings can grow with you. See how we can help you make the most of your retirement distributions.
What is an RMD?
Required Minimum Distributions (RMDs) are withdrawals you are required to take from certain retirement accounts once you reach the age of 73.
Withdrawal amounts can vary year to year, depending on factors such as your age and retirement account balance. You can calculate your RMD using these worksheets provided by the IRS.
It’s important to note that RMD withdrawals are generally subject to income tax. Check your account details or talk with a financial advisor to ensure you are accurately reporting your income.
Withdrawal amounts can vary year to year, depending on factors such as your age and retirement account balance. You can calculate your RMD using these worksheets provided by the IRS.
It’s important to note that RMD withdrawals are generally subject to income tax. Check your account details or talk with a financial advisor to ensure you are accurately reporting your income.
Money Market Accounts
Up to
4.00% APY*
Perfect for those who want flexible access.
Tiered interest rates help you earn more as your balance grows, with the ability to deposit whenever you choose for as long as you choose.
Tiered interest rates help you earn more as your balance grows, with the ability to deposit whenever you choose for as long as you choose.
- Limit 3 withdrawals per month
- Monthly dividends
- $1,000 minimum balance**
Share
Certificates
Certificates
Up to
4.15% APY*
Perfect for those with a fixed deposit amount.
Like CDs at a bank, certificates have a set rate and term, allowing you to earn and access the funds at maturity or roll them into a new share certificate.
Like CDs at a bank, certificates have a set rate and term, allowing you to earn and access the funds at maturity or roll them into a new share certificate.
- $500 minimum deposit
- Monthly dividends
- Rollover at maturity
*APY: Annual Percentage Yield. Rates effective 10/16/2026, and are subject to change daily. Quoted at the highest rate available. See FSO for details.
**Minimum balance that must be met to avoid a service fee and earn dividends. Minimum balance amount depends on the account type. Platinum Money Market Accounts have a minimum deposit of $100,000.
**Minimum balance that must be met to avoid a service fee and earn dividends. Minimum balance amount depends on the account type. Platinum Money Market Accounts have a minimum deposit of $100,000.
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