homelocationscontact uscareersfacebooktwitter

Certificates & IRA Rates

Rates as of January 2, 2018

Certificate Rates
Term Dividend Rate Annual Percentage Yield
3 Months* 0.30% 0.30%
6 Months* 0.30% 0.30%
8 Months* 0.20% 0.20%
9 Months* 0.25% 0.25%
12 Months* 0.30% 0.30%
13 Months* 0.30% 0.30%
15 Months* 0.30% 0.30%
18 Months1 1.64% 1.65%
18 Months (bump up) 0.25% 0.25%
24 Months1 1.74% 1.75%
30 Months 0.60% 0.60%
36 Months1 2.13% 2.15%
48 Months 1.00% 1.00%
60 Months 1.24% 1.25%

Rates apply to Savings Certificate and IRA Certificate accounts, including Traditional, Roth, and Education IRAs. Minimum opening deposit is $500 for the Education IRA. $1,000 opening deposit for other accounts. Penalty for early withdrawal may apply. Please visit a local branch or call our Member Contact Center at 860.568.2020, to discuss early withdrawal penalty. Dividend rate and annual percentage yield may change at any time without notice. Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Dividends will be compounded every month. Dividends will be credited to your account every month. Dividend rates are rounded to the nearest hundredth. Federally insured by NCUA.

*Available to be opened online as a Savings Certificate only. Please visit one of our branches to open an IRA Certificate.

1Annual Percentage Yield (APY) effective January 2, 2018, and subject to change without notice. The Certificate rate is fixed and assumes principal and interest remain on deposit until maturity. To qualify for the APY, you must have or establish an American Eagle FCU membership and a Checking account. Basic Checking account excluded. Personal accounts only. Certificate/IRA accounts also available. Minimum balance to open the account is $500.00 for Educational IRA and $1,000.00 for all other certificate accounts. Minimum balance to obtain the advertised APY is $1.00. A penalty may be imposed for early withdrawals. Fees may reduce earnings. Maximum amount that can be deposited is $500,000.00. Accounts may be opened online or at an American Eagle FCU branch. Limited time offer and may be withdrawn at any time without notice.

Individual Retirement Account (IRA) Rates
Term Dividend Rate Annual Percentage Yield
IRA Accumulator 0.05% 0.05%