Certificate IRAs

Now Available:Retirement Central Service Center.

This online service has educational interactive information and articles to help you, at whatever stage you're at in your financial life. You'll find information, articles and forms.

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Manage or Service an Existing IRA

Articles for your Life Stages at Retirement Central

Certificate IRAs earn DCU's highest dividend rates on your retirement funds. For a low minimum balance of $500, you can choose a Certificate with terms from three months to five years.

Dividends are compounded daily on the entire account balance and credited monthly. Dividend rates are fixed for the entire term. There are no annual fees. A dividend penalty may be incurred for an early withdrawal.

Certificate IRAs can be used for Traditional, Roth, Coverdell Education Savings Accounts (formerly Education IRA), and for Small Business Plans.

Highest Dividend Rates with Loyalty Checking Plus – If you have a Loyalty Checking Plus relationship when you open or renew a DCU Certificate, you'll automatically receive the highest published dividend rate for that certificate. Other great certificate rates are available. You can boost it another 1/4% for the next term when you add at least $5,000 to the balance at maturity.

IRAs are federally insured up to $250,000 per member by the National Credit Union Administration (NCUA), a U.S. Government Agency.

There are several ways to make both Current and Prior Year Contributions to a DCU IRA and the process to transfer or roll an existing IRA from another institution to a DCU IRA couldn't be simpler. At DCU there are no administrative, annual, transaction, or maintenance fees. You can fund your DCU IRA by...

Making a NEW contribution.
Transferring an existing IRA to DCU.
Rolling an existing IRA or retirement funds into a DCU IRA.
Completing a direct rollover from your employer's retirement plan into a DCU IRA.

Current Rates
IRA forms at DCU's Retirement Central Service Center – This online service is an easy way to complete your IRA forms. Simply answer some questions regarding the transaction you wish to complete and the Service Center will produce the necessary forms.

If you have any questions, or need paper forms, please speak with a Customer Service Representative at your nearest DCU branch or call our Information Center at 508.263.6700 or 800.328.8797, weekdays from 8:00 am to 11:00 pm and Saturdays from 9:00 am to 3:00 pm, Eastern time.

Terms and conditions applicable to DCU's IRAs can be found in the IRA Disclosure Statement, Certificate Disclosure and Agreement (pdf format), our rates page, and Schedule of Fees and Service Charges. For a copy of any of these disclosures or for more information, visit a DCU branch, call the Information Center, or order online.

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Digital Federal Credit Union
220 Donald Lynch Boulevard
PO Box 9130
Marlborough, MA 01752-9130
508.263.6700 • 800.328.8797