Skip to Main Content
Search modal

Your Recent Searches

No Recent Searches Found

But let's try once more with some tweaks

  • Make sure all words are spelled correctly
  • Try using fewer words
  • Try using more general keywords
  • Try different keywords or spellings

But let's try once more with some tweaks

  • Make sure all words are spelled correctly
  • Try using fewer words
  • Try using more general keywords
  • Try different keywords or spellings
PREVIOUS
NEXT

Sorry, We couldn't find what you are looking for. It could be because of many reasons.

Retired couple walking on the beach

Money Market IRA

Money Market IRA

A tax-advantaged account with competitive tiered dividends.

OPEN NOW

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.
STARTING AT
0.20% APY
RATING
3.5 3.5 / 5 stars

MINIMUM TO OPEN

$0.00

MINIMUM TO EARN

$1,000

MONTHLY FEE

$0.00

Money Market IRA Rates

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

Minimum Daily Balance to earn Minimum Daily Balance to earn Dividend Rate Dividend Rate APY¹ APY¹
$100,000.00 or more 0.30% 0.30%
$50,000.00 to $99,999.99 0.25% 0.25%
$25,000.00 to $49,999.9 0.25% 0.25%
$10,000.00 to $24,999.99 0.20% 0.20%
$1,000.00 to $9,999.99 0.20% 0.20%
Minimum Daily Balance to earn Minimum Daily Balance to earn Dividend Rate Dividend Rate APY¹ APY¹
$100,000.00 or more 0.30% 0.30%
$50,000.00 to $99,999.99 0.25% 0.25%
$25,000.00 to $49,999.9 0.25% 0.25%
$10,000.00 to $24,999.99 0.20% 0.20%
$1,000.00 to $9,999.99 0.20% 0.20%

Rates are effective {currentdate}.

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.

What Our Members Are Saying

Rollover of a 403B

RATINGS 5 5 / 5 stars

I am not an expert when it comes to financial vehicles. That is why I involved the DCU in helping me to do a direct rollover of a 403B to a Money Market IRA. Their service was top notch and things went very smoothly. I could not be happier with the outcome.

ibramson - Merrimack, NH

READ MORE REVIEWS

Great flexibility

RATINGS 5 5 / 5 stars

I needed a place to transfer an old 401K that would offer an acceptable rate and liquidity. The DCU staff were very helpful and the processing very straightforward.

AWright- London, UK

READ MORE REVIEWS

Has features I was looking for

RATINGS 5 5 / 5 stars

When trying to decide what to do with my husband’s IRA, I talked to a couple of people at DCU. I was given a choice of options. Right away, it was explained which plan would be best according to what I was looking for.

sweetums - Stow, MA

READ MORE REVIEWS

People Also Shopped For

Find out what other members have shopped for after viewing this product.
$0.00
Stop paying big bank fees. You could save with DCU.
OPEN NOW
LEARN MORE Free Checking
1.49% APR
Lower your rate, payment, or both when you refinance.
APPLY NOW
LEARN MORE Auto Refinance Loans
8.50% APR
Great rates with no annual fees, cash advance fees, or balance transfer fees.
APPLY NOW
LEARN MORE Visa® Platinum Credit Card
5.99% APR
Pay off credit cards or invest in home improvements with our traditional personal loan.
APPLY NOW
LEARN MORE Signature Personal Loans
0.20% APY
Earn dividends that often rival uninsured money market mutual funds. (Minimum to earn shown rate: $1,000)
JOIN NOW
LEARN MORE Money Marketing Savings

We're Here to Help

Email

Get assistance by Email.

Visit

Find a Branch or ATM.

Online Live Help

Chat with a Representative

Online Live Help Hours

CHAT
Chat is currently unavailable.

220 Donald Lynch Boulevard
PO Box 9130
Marlborough, MA 01752-9130
800.328.8797

ABA Routing Number: 211391825
NMLS# 466914

Download Our App

Federally insured by NCUA

Contact Us

Even your smallest questions are our biggest concerns.

©

Digital Federal Credit Union. By using this site, you accept DCU's Terms of Use and Privacy Policy.