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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.


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.
0.95% APY







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 1.05% 1.06%
$50,000.00 to $99,999.99 1.00% 1.01%
$25,000.00 to $49,999.9 1.00% 1.01%
$10,000.00 to $24,999.99 0.95% 0.95%
$1,000.00 to $9,999.99 0.95% 0.95%

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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