DCU Routing Number: 211391825
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Money Market IRA
A tax-advantaged account with competitive tiered dividends.
At a Glance
A Money Market IRA offers competitive tiered dividends and the flexibility to contribute money whenever you like within IRS rules.
Benefits
- Competitive tiered dividends – There are five dividend rate tiers based on your daily balance. The greater your balance, the higher the dividends you earn.
- Allows regular deposits – You can contribute to your Money Market IRA through automatic transfers, allowing you to spread your annual maximum contribution throughout the year. You can also move your contribution to a DCU Certificate IRA for higher returns or roll it over into another qualified retirement investment.
- Save for a child's qualified education expenses – Certificate IRAs may be used for Coverdell Education Savings Accounts.
MINIMUM TO EARN
$1,000MINIMUM TO OPEN
$0.00MONTHLY FEE
$0.00Membership Required
1. Eligibility by Family Relationship to a Current DCU Member
Relatives of DCU members are eligible to join if they are spouses, domestic partners, children grandchildren, parents, grandparents or siblings (including adoptive in-law, and step relationships).
2. Eligibility by Company You Work for or Retired From
- You currently work for or retired from a company in our list of participitating employers.
- You have a family relationship (as described above) to a non-member who currently works for or retired from a company or organization in our field of membership.
3. Eligibility by Organization You Belong To
- You currently belong to or join an organization whose members we serve.
- You have a family relationship (as described above) to a non-member who belongs to an organization in our list of participating organizations.
4. Eligibility by Community
You are automatically eligible to join DCU if you live, work, worship, or attend school in one of the communities in our list. Any business or other legal entity located in one of these areas is also automatically eligible to join.
Money Market IRA Rates
May be used for Traditional, Roth, SEP, and SIMPLE accounts.
| Minimum Daily Balance to earn | Dividend Rate | APY¹ |
|---|---|---|
| $100,000.00 or more | 3.25% | 3.30% |
| $50,000.00 to $99,999.99 | 1.75% | 1.77% |
| $25,000.00 to $49,999.9 | 1.75% | 1.77% |
| $10,000.00 to $24,999.99 | 1.70% | 1.71% |
| $1,000.00 to $9,999.99 | 1.70% | 1.71% |
¹APY = Annual Percentage Yield. Rates are variable and may change after the account is opened and are subject to change weekly. Fees may reduce earning on the account. Other conditions may apply. Please refer to DCU's Account Agreement for Consumers, and Schedule of Fees and Service Charges for important information and disclosures.
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.
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220 Donald Lynch Boulevard
PO Box 9130
Marlborough, MA 01752-9130
ABA Routing Number: 211391825
NMLS# 466914
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Federally insured by NCUA
