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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.
0.20% APY
3.5 3.5 / 5 stars







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 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%

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


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


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


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