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Savings IRA

Savings IRA

Start planning for retirement today.

OPEN NOW

At a Glance

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

Benefits

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
0.40% APY
RATING
3 3 / 5 stars

MINIMUM BALANCE

$0.00

MINIMUM TO EARN

$0.00

MONTHLY FEE

$0.00

Savings 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
No Minimum Balance 0.40% 0.40%
Minimum Daily Balance to earn Minimum Daily Balance to earn Dividend Rate Dividend Rate APY¹ APY¹
No Minimum Balance 0.40% 0.40%

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 Truth-in-Savings Disclosures and Account Agreements, Schedule of Fees and Service Charges and Electronic Services Disclosure and Agreements 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

READ MORE REVIEWS

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 -

READ MORE REVIEWS

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

READ MORE REVIEWS

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Email

Get assistance by Email.

Visit

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Online Live Help

Chat with a Representative.

Online Live Help Hours

CHAT
MON-FRI: 8:00 AM to 9:00 PM (EST)
SAT: 9:00 AM to 3:00 PM (EST)

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APR= Annual Percentage Rate.   |   APY= Annual Percentage Yield.

Rates displayed on this page are effective {currentdate} and are subject to change. View a full list of rates and rate determination criteria for all products by clicking here.

Please refer to DCU's Truth-in-Savings Disclosure and Account Agreements, Schedule of Fees and Service Charges, and Electronic Services Disclosure and Agreements for important information and disclosures.