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Individual Retirement Account (IRA) Savings Rates
Current as of 2/3/2025| Balance | APY1 | Dividend Rate |
|---|---|---|
| $250 minimum to open | 0.20% | 0.200% |
1APY = Annual Percentage Yield; Dividends are paid quarterly. All rates quoted are subject to Credit Union earnings and are subject to change after the account is opened. Dividends will be forfeited for any account closed before accrued dividends are credited. Earnings may also be reduced by fees associated with some accounts. |
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Individual Retirement Account (IRA) Certificate Rates
Current as of 2/3/2025| Min. Opening Deposit | Term | APY* | Dividend Rate |
|---|---|---|---|
| $1,000 | 1 year | 3.85% | 3.796% |
| 2 years | 3.05% | 3.016% | |
| 3 years | 3.30% | 3.260% | |
| 5 years | 3.45% | 3.406% | |
| $90,000 | 1 year | 3.90% | 3.844% |
| 2 years | 3.10% | 3.065% | |
| 3 years | 3.35% | 3.309% | |
| 5 years | 3.50% | 3.455% | |
*APY = Annual Percentage Yield; Dividends are paid quarterly. Early withdrawals from Traditional IRA certificates will only have a dividend penalty if the account holder is less than 73 years of age. To receive the APY quoted, dividends must remain on deposit for at least a year. A withdrawal prior to one year will reduce earnings. Dividends will be forfeited for any account closed before accrued dividends are credited. Earnings may also be reduced by fees associated with some accounts. |
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