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Certificate IRA

Certificate IRA

Lock in great dividend rates on your retirement funds.

At a Glance

Saving for retirement is important for people of all ages. An Individual Retirement Account (IRA) Certificate can help you get to where you want to be when you retire.

Benefits

Terms 3 to 60 months - dividends are compounded daily and credited monthly.
Automatic renewal - nothing you need to do when your Certificate renews to keep the same term.
Jump-Up option available - jump the rate up at either the 15- or 27-month term when rates rise.
Save for a child's qualified education expenses - Certificate IRAs may be used for Coverdell Education Savings Accounts.
As High As
2.38% APY
RATING
4.5 4.5 / 5 stars

MINIMUM TO OPEN

$500

MINIMUM TO EARN

$500

MONTHLY FEE

$0.00

AVAILABLE TERMS

3 to 60 months

Certificate IRA Rates

May be used for Traditional, Roth, SEP, and SIMPLE accounts.

Term Terms Dividend Rate Dividend Rate APY¹ APY¹ Minimum balance to open and earn Minimum balance to open and earn
60 months 2.35% 2.38% $500.00
48 to 59 months 2.25% 2.28% $500.00
36 to 47 months 2.15% 2.17% $500.00
24 to 35 months 2.05% 2.07% $500.00
12 to 23 months 1.95% 1.97% $500.00
6 to 11 months 1.55% 1.56% $500.00
3 to 5 months 1.30% 1.31% $500.00
Term Terms Dividend Rate Dividend Rate APY¹ APY¹ Minimum balance to open and earn Minimum balance to open and earn
60 months 2.35% 2.38% $500.00
48 to 59 months 2.25% 2.28% $500.00
36 to 47 months 2.15% 2.17% $500.00
24 to 35 months 2.05% 2.07% $500.00
12 to 23 months 1.95% 1.97% $500.00
6 to 11 months 1.55% 1.56% $500.00
3 to 5 months 1.30% 1.31% $500.00

Rates are effective {currentdate}.

¹APY=Annual Percentage Yield. Rates are variable and are subject to change weekly. The rate will remain in effect for the term of the certificate once issued. A Penalty may be imposed for early withdrawal. Early withdrawal may also result in tax implications. Other conditions may apply. Please refer to DCU's Truth-in-Savings Disclosures and Account AgreementsSchedule of Fees and Service Charges and Electronic Services Disclosure and Agreements for important information and disclosures.

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

Jump-Up Certificate IRA Rates

Jump the rate up to one time per term – you decide when.

Term Terms Dividend Rate Dividend Rate APY¹ APY¹ Minimum balance to open and earn Minimum balance to open and earn
27 months 2.10% 2.12% $500.00
15 months 2.00% 2.02% $500.00
Term Terms Dividend Rate Dividend Rate APY¹ APY¹ Minimum balance to open and earn Minimum balance to open and earn
27 months 2.10% 2.12% $500.00
15 months 2.00% 2.02% $500.00

Rates are effective {currentdate}.

¹APY=Annual Percentage Yield. Rates are variable and are subject to change weekly. The rate will remain in effect for the term of the certificate once issued, unless you decide to jump up the rate once during the term of the certificate. A Penalty may be imposed for early withdrawal. Early withdrawal may also result in tax implications. Other conditions may apply. Please refer to DCU's Truth-in-Savings Disclosures and Account AgreementsSchedule of Fees and Service Charges and Electronic Services Disclosure and Agreements for important information and disclosures.

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

Early Certificate IRA Closing Penalties

Length Length Penalty Penalty
3-11 months 60 days' dividend
12-35 months 90 days' dividend
36-60 months 180 days' dividend
Length Length Penalty Penalty
3-11 months 60 days' dividend
12-35 months 90 days' dividend
36-60 months 180 days' dividend

The same penalties apply on amounts prematurely withdrawn from a Certificate. IRS penalties may apply on IRA Certificate withdrawals. Jump-Up Certificate early withdrawal penalties will be calculated at the rate being earned at the time of withdrawal.

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

Plan for Your Certificate

Choose from our easy to use calculators to help you manage your Certificates and savings goals.

What Our Members Are Saying

Very efficient service

RATINGS 5 5 / 5 stars

I have done this (rolling money over from a 401(k) to a traditional IRA) many times before with DCU, I always get quick reliable service and very competitive CD rates. Their IRA department takes good care of any question or concern I have.

Hector - Hudson, FL

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IRAs

RATINGS 5 5 / 5 stars

DCU IRAs are the best in the banking business. The representative was very helpful and answered my questions. I would recommend anyone wishing to save retirement money, should go to DCU.

Rich - Fitchburg, MA

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Easy process and great rate

RATINGS 5 5 / 5 stars

I printed IRA docs from website, mailed it in with a check, and a few days later they emailed and put a message in my app that it was all set. I love that it was a personal email from the representative that opened the account. I love DCU!

Jules - Aurora, CO

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SAT: 9:00 AM to 3:00 PM (EST)