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DCU Routing Number: 211391825

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Savings IRA

Start planning for retirement today.

At a Glance

A DCU Savings IRA account requires no minimum balance or term requirement.


Competitive dividends – dividends are compounded daily and paid monthly.
No minimum balance - a good choice to start saving for retirement.
Allows regular deposits - You can contribute to your Savings 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.
As High As
0.20% APY
3 3 / 5 stars







Savings IRA Rates

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

Minimum Daily Balance to earn Dividend Rate APY¹
No Minimum Balance 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

Very good selections and options for IRAs. It's great to see your funds grow with the interest rates offered.

TmPa - Tewksbury, MA


IRA Certificates are great!

RATINGS 5 5 / 5 stars

With so much uncertainty in the market, balancing equity positions with higher than average yield DCU IRA Certificates is a good bet! And, they are easy to set up and track with DCU's online tools.

Longtimemember -


They make it easy

RATINGS 5 5 / 5 stars

DCU makes it easy to transfer funds and explain account options. The process was easy and didn’t require any back and forth. I highly recommend.

Emma678 - Hudson, NH


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