Certificates & IRA Rates

Rates as of April 1, 2014

 

 

Certificate Rates
Term Dividend Rate Annual Percentage Yield
3 Months* 0.15% 0.15%
6 Months* 0.20% 0.20%
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 Months 0.30% 0.30%
18 Months (bump up) 0.25% 0.25%
24 Months* 0.40% 0.40%
30 Months 0.60% 0.60%
36 Months 0.85% 0.85%
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. 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.
 

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