IRA Certificate Accounts, Roth IRA and Coverdell Education Savings Account Rates

IRA contributions are made easy through payroll deductions, automatic transfers or lump sum contributions. We also offer IRA-CDs, where you can invest your IRA dollars at a higher interest rate for a predetermined length of time. Put your retirement worries to rest by letting your credit union help you with your IRA plans today. IRA accounts are insured to at least $250,000 by the NCUA.

IRA

Minimum*

Interest Rate

APY**

Compounded & Credited

6 month

$1,000

0.35%

0.35%

Quarterly

12 month

$1,000

0.65%

0.65%

Quarterly

18 month

$1,000

0.80%

0.80%

Quarterly

24 month

$1,000

1.10%

1.11%

Quarterly

36 month

$1,000

1.40%

1.40%

Annually

Roth IRA

$5,000

0.20%

0.20%

Monthly

 

$10,000 

0.30% 

0.30% 

Monthly 

 

$25,000 

0.35% 

0.35% 

Monthly 

 

$100,000+ 

0.40% 

0.40% 

Monthly 

Coverdell Education

$5,000

0.20%

0.20%

Monthly

 

$10,000 

0.30% 

0.30% 

Monthly 

 

$25,000 

0.35% 

0.35% 

Monthly 

 

$100,000+ 

0.40% 

0.40% 

Monthly 

IRA Share

$5,000       

0.10%

0.10%

Monthly

 

$10,000 

0.15%     

0.15% 

Monthly 

 

$25,000+ 

0.20% 

0.20% 

Monthly 

 

*Minimum to open and earn the advertised APY

**Annual Percentage Yield. The interest rate and APY are set forth above. APY is effective as of July 11, 2017. Rates are subject to change daily. The interest rate and APY are fixed and will be in effect for the term of the account. Fees may reduce any earnings on the account. Penalty may be imposed for early withdrawal.

Rates subject to change without notice.