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What Can DCU Save You?

IRA* and HSA^ Checking Rates

Earn a competitive return on your savings at DCU

  • Certificate IRA Rates
  • Money Market IRA Rates
  • Savings IRA Rates
  • HSA Checking Rates

Certificate IRA* Rates**

Certificates IRA Rates – Minimum balance of $500 is required to open your account.
May be used for Traditional, Roth, SEP, and SIMPLE accounts.
TERMS / FEATURES OUR BEST RATES
  Dividend Rate Annual Percentage Yield
60 months 1.84% 1.86%
48 to 59 months 1.59% 1.60%
36 to 47 months 1.40% 1.41%
24 to 35 months 1.25% 1.26%
12 to 23 months 1.10% 1.11%
6 to 11 months 0.70% 0.70%
3 to 5 months 0.60% 0.60%

Rates are effective .

*IRA = Individual Retirement Account

**Dividend rates shown are for members who qualify for Relationship benefits on their DCU Checking Account. Without Relationship benefits, you'll earn .25% less than dividend rates shown above.

Certificate Account rates are subject to change weekly; but the rate will remain in effect for the term of the certificate once issued. Funds earn dividends from the first business day of deposit through the day of withdrawal, are compounded daily, and posted monthly. "Penalties" apply for early withdrawals. Refer to DCU's Truth-in-Savings Disclosures and Account Agreements, Schedule of Fees and Service Charges and Certificate Account Disclosure and Agreement.

Jump-Up IRA* Certificate of Deposit Rates***

Terms / Features OUR BEST RATES
  Dividend Rate Annual Percentage Yield
27 months, $500 minimum. 1.33% 1.34%
15 months, $500 minimum. 1.18% 1.19%

Rates are effective .

*IRA = Individual Retirement Account

***Dividend rates shown are for members who qualify for Relationship benefits on their DCU Checking Account. Without Relationship benefits, you'll earn .25% less than dividend rates shown above.

Certificate Account rates are subject to change weekly; but the rate will remain in effect for the term of the certificate once issued. Funds earn dividends from the first business day of deposit through the day of withdrawal, are compounded daily, and posted monthly. "Penalties" apply for early withdrawals. Refer to DCU's Truth-in-Savings Disclosures and Account Agreements, Schedule of Fees and Service Charges and Certificate Account Disclosure and Agreement.

Annual Percentage Yield (APY) is a figure calculated using a federally-mandated formula. It's designed to help you compare the return you'll get in a uniform way between the certificate, savings, and money market accounts offered at various institutions. It tells you at what percentage your money will grow in one year at the same dividend rate – including the effects of compounding. For example, the APY on a 6-Month Certificate would be what you earned at the end of a year if you renewed your certificate once, did not add to or subtract from the balance along the way, nor withdrew any dividends.

IRA transactions are subject to IRS rules and regulations. To review these rules and regulations, click here.

Money Market IRA* Rates**

$1,000 minimum balance to earn dividends.
Balance Tiers Dividend Rate Annual Percentage Yield
When daily balance is $100,000.00 or more 0.90% 0.90%
When daily balance is $50,000.00 to $99,999.99 0.85% 0.85%
When daily balance is $25,000.00 to $49,999.99 0.75% 0.75%
When daily balance is $10,000.00 to $24,999.99 0.65% 0.65%
When daily balance is $1,000.00 to $9,999.99 0.55% 0.55%

Rates are effective .

*IRA = Individual Retirement Account

**Rates are subject to change weekly. Funds earn dividends from the first business day of deposit and are compounded daily and posted monthly. Accrued dividends are forfeited if account is closed prior to monthly dividend posting. Fees or other conditions may reduce earnings. Refer to DCU's Truth-in-Savings Disclosures and Account Agreements, Schedule of Fees and Service Charges and Certificate Account Disclosure and Agreement.

Annual Percentage Yield (APY) is a figure calculated using a federally-mandated formula. It's designed to help you compare the return you'll get in a uniform way between the certificate, savings, and money market accounts offered at various institutions. It tells you at what percentage your money will grow in one year at the same dividend rate – including the effects of compounding. For example, the APY on a savings account would be what you earned at the end of a year if you made a deposit on the first day of the year, did not add to or subtract from the balance along the way, nor withdrew any dividends.

IRA transactions are subject to IRS rules and regulations. To review these rules and regulations, click here.

Savings IRA* Rates**

May be used for Traditional, Roth, SEP, and SIMPLE accounts.
Minimum and Terms Dividend Rate Annual Percentage Yield
No Minimum Balance 0.20% 0.20%

Rates are effective .

*IRA = Individual Retirement Account

**Rates are subject to change weekly. Funds earn dividends from the first business day of deposit and are compounded daily and posted monthly. Accrued dividends are forfeited if account is closed prior to monthly dividend posting. Fees or other conditions may reduce earnings. Refer to DCU's Truth-in-Savings Disclosures and Account Agreements and Schedule of Fees and Service Charges.

Annual Percentage Yield (APY) is a figure calculated using a federally-mandated formula. It's designed to help you compare the return you'll get in a uniform way between the certificate, savings, and money market accounts offered at various institutions. It tells you at what percentage your money will grow in one year at the same dividend rate – including the effects of compounding. For example, the APY on a savings account would be what you earned at the end of a year if you made a deposit on the first day of the year, did not add to or subtract from the balance along the way, nor withdrew any dividends.

IRA transactions are subject to IRS rules and regulations. To review these rules and regulations, click here.

HSA^ Checking Account Rates**

Offers a tax advantage to help offset healthcare expenses
Balance Tiers Dividend Rate Annual Percentage Yield
When daily balance is $100,000 or more 0.45% 0.45%
When daily balance is $50,000 to $99,999 0.40% 0.40%
When daily balance is $25,000 to $49,999 0.35% 0.35%
When daily balance is $10,000 to $24,999 0.30% 0.30%
When daily balance is $1,000 to $9,999 0.25% 0.25%
When daily balance is less than $1,000 0.20% 0.20%

Rates are effective .

^HSA = Health Savings Account

**Rates are subject to change weekly. Funds earn dividends from the first business day of deposit and are compounded daily and posted monthly. HSA Checking Account dividends are calculated on the full balance using the highest applicable dividend rate. Accrued dividends are forfeited if account is closed prior to monthly dividend posting. Fees or other conditions may reduce earnings. Refer to DCU's Truth-in-Savings Disclosures and Account Agreements and Schedule of Fees and Service Charges.

Annual Percentage Yield (APY) is a figure calculated using a federally-mandated formula. It's designed to help you compare the return you'll get in a uniform way between the certificate, savings, and money market accounts offered at various institutions. It tells you at what percentage your money will grow in one year at the same dividend rate – including the effects of compounding. For example, the APY on a savings account would be what you earned at the end of a year if you made a deposit on the first day of the year, did not add to or subtract from the balance along the way, nor withdrew any dividends.

HSA transactions are subject to IRS rules and regulations. To review these rules and regulations, click here.