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When you open an IRA account you are investing in a solid, high yielding financial plan for the future. IRA savings accounts and certificate options from CFCU are available. Depending on the type of IRA chosen, your contributions may be tax deductible and will grow either tax deductible or tax free. We recommend you seek the advice from a qualified tax advisor. Traditional IRA, Roth IRA and Coverdell Education savings accounts are available. There are no maintenance fees and you can open a share account for as little as a $1.

Rates

Traditional and Roth IRA Certificates
Effective Date: as of October 1, 2018
Certificate TypeMinimum Balance to Receive DividendDividend RateAnnual Percentage Yield (APY)*Compounded/Paid
3 Month $1,000 0.50% 0.50% Monthly / Monthly
6 Month $1,000 1.00% 1.00% Monthly / Monthly
12 Month $1,000 1.35% 1.36% Quarterly/Quarterly
18 Month $1,000 1.50% 1.51% Quarterly/Quarterly
24 Month $1,000 2.00% 2.02% Quarterly/Quarterly
30 Month $1,000 2.00% 2.02% Quarterly/Quarterly
36 Month $1,000 2.20% 2.22% Quarterly/Quarterly
48 Month $1,000 2.30% 2.32% Quarterly/Quarterly
60 Month $1,000 2.40% 2.42% Quarterly/Quarterly
*Annual Percentage Yield is the total amount of dividends paid on an account, based on the dividend rate and the frequency of monthly compounding for a 365-day period, and expressed as a percentage. This rate assumes that a set amount is on deposit at the beginning of the dividend period, that no deposits or withdrawals are made during the dividend period and funds remain on deposit for one full year at the same dividend rate. Fees may reduce earnings. A fee may be charged for early withdrawal of a fixed-term certificate or IRA. Rates are expressed as an annual percentage yield (APY) and are subject to change without notice.

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