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Rates & Calculators > Regular Certificate and Individual Retirement Account (IRA) Certificate Rates
Regular Certificate and Individual Retirement Account (IRA) Certificate Rates
IRAs and Certificates
| Product | Term | Dividend Rate | APY | Minimum Opening Balance | Minimum to Earn Dividend Rate |
|---|---|---|---|---|---|
| IRA Savings $100 to $999 | 0.25% | 0.25% | $0.00 | $100 | |
| IRA Savings $1,000 to $4,999 | 0.30% | 0.30% | $0.00 | $1,000 | |
| IRA Savings $5,000 to $19,999 | 0.35% | 0.35% | $0.00 | $5,000 | |
| IRA Savings $20,000 to $49,999 | 0.35% | 0.35% | $0.00 | $20,000 | |
| IRA Savings $50,000 and over | 0.40% | 0.40% | $0.00 | $50,000 | |
| IRA Accumulator Certificate | 180-364 days | 0.65% | 0.65% | $100 | $100 |
| IRA/Certificate | 5 months | 0.65% | 0.65% | $1,000 | $1,000 |
| IRA/Certificate | 11 months | 0.80% | 0.80% | $1,000 | $1,000 |
| IRA/Certificate | 16 months | 1.29% | 1.30% | $1,000 | $1,000 |
| IRA/Certificate | 24 months | 1.59% | 1.60% | $1,000 | $1,000 |
| IRA/Certificate | 36 months | 1.88% | 1.90% | $1,000 | $1,000 |
| IRA/Certificate | 48 months | 2.18% | 2.20% | $1,000 | $1,000 |
| IRA /Certificate | 60 months | 2.23% | 2.25% | $1,000 | $1,000 |
| Jumbo IRA/Certificate | 5 months | 0.65% | 0.65% | $50,000 | $50,000 |
| Jumbo IRA/Certificate | 11 months | 0.80% | 0.80% | $50,000 | $50,000 |
| Jumbo IRA/Certificate | 16 months | 1.29% | 1.30% | $50,000 | $50,000 |
| Jumbo IRA/Certificate | 24 months | 1.59% | 1.60% | $50,000 | $50,000 |
| Jumbo IRA/Certificate | 36 months | 1.88% | 1.90% | $50,000 | $50,000 |
| Jumbo IRA/Certificate | 48 months | 2.18% | 2.20% | $50,000 | $50,000 |
| Jumbo/IRA Certificate | 60 months | 2.23% | 2.25% | $50,000 | $50,000 |
For information on how your accounts are insured, click here.
Rates current as of May 8, 2009 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.
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