Traditional IRAs | Terms & Rates

IRAs

IRA Certificate

Term*	Dividend Rate	APY**
12 Month Traditional IRA	2.18%	2.20%
18 Month Traditional IRA	2.18%	2.20%
24 Month Traditional IRA	2.37%	2.40%
36 Month Traditional IRA	2.62%	2.65%
48 Month Traditional IRA	2.62%	2.65%
60 Month Traditional IRA	3.30%	3.35%

*$250.00 minimum balance for IRA certificate accounts required.
**APY is Annual Percentage Yield. APY is effective as of 02/15/2024.
Published rates and APYs are subject to change daily. A penalty will be imposed for early withdrawal. Tax-deferred Certificates may include additional penalties. Annual Percentage Yield (APY) is accurate as of effective date. Rates are fixed for term and dividends are compounded monthly. The stated APY assumes principal and dividends remain on deposit until maturity. Fees and other conditions could reduce earnings on the account.
12 to 60-month SEP IRAs and Educational IRAs (Coverdell ESAs) are offered at the same above named rate schedule.

Published rates and annual percentage yields (APYs) are subject to change daily.

A penalty will be imposed for early withdrawal. Tax-deferred Certificates may include additional penalties.

Share certificates are available with a minimum deposit of $1,000. IRA certificates are available with a minimum deposit of $250. 6-month IRA certificates are not available.

Annual Percentage Yield (APY) is accurate as of effective date. Rates are fixed for term and interest is compounded monthly. The stated APY assumes principal and interest remain on deposit until maturity. Fees and other conditions could reduce earnings on the account.

Your investments are insured up to $250,000 by the National Credit Union Administration (NCUA), a U.S. Government Agency backed by the full faith and credit of the United States Government.