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Rates & Calculators > Individual Retirement Account Rates

Individual Retirement Account Rates

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IRAs

Product	Term	Dividend Rate	APY	Minimum Opening Balance	Minimum to Earn Dividend Rate
IRA Savings $100 to $999		0.50%	0.50%	$0.00	$100
IRA Savings $1,000 to $4,999		0.55%	0.55%	$0.00	$1,000
IRA Savings $5,000 to $19,999		0.60%	0.60%	$0.00	$5,000
IRA Savings $20,000 to $49,999		0.90%	0.90%	$0.00	$20,000
IRA Savings $50,000 and over		1.00%	1.00%	$0.00	$50,000
IRA Accumulator Certificate	180-364 days	1.00%	1.00%	$100	$100
IRA Certificate	5 months	2.08%	2.10%	$1,000	$1,000
IRA Certificate	11 months	2.42%	2.45%	$1,000	$1,000
IRA Certificate	16 months	2.47%	2.50%	$1,000	$1,000
IRA Certificates	24 months	2.47%	2.50%	$1,000	$1,000
IRA Certificates	36 months	3.06%	3.10%	$1,000	$1,000
IRA Certificates	48 months	3.54%	3.60%	$1,000	$1,000
IRA Certificates	60 months	3.69%	3.75%	$1,000	$1,000
IRA Jumbo Certificate	5 months	2.18%	2.20%	$50,000	$50,000
IRA Jumbo Certificate	11 months	2.52%	2.55%	$50,000	$50,000
IRA Jumbo Certificate	16 months	2.57%	2.60%	$50,000	$50,000
IRA Jumbo Certificate	36 months	3.15%	3.20%	$50,000	$50,000
IRA Jumbo Certificate	48 months	3.64%	3.70%	$50,000	$50,000
IRA Jumbo Certificate	60 months	3.78%	3.85%	$50,000	$50,000

For information on how your accounts are insured, click here.

Rates current as of October 3, 2008 at 7:00 p.m. All rates and terms subject to change without notice.

Dividends are credited and compounded monthly. Dividend period is monthly. A penalty may be imposed for withdrawals before maturity. Dividends are calculated by the daily balance method. Accounts are federally insured by the National Credit Union Share Insurance Fund. Contact Member Services for applicable fees and terms or to open a certificate.