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Woman attending college.

Coverdell Education Savings

Coverdell Education Savings

Consider a tax-friendly way to save for your child.

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At a Glance

One way your family can collectively save for a child's qualified education expenses.¹

Benefits

Contribute up to $2,000 per year - This is the maximum annual contribution per beneficiary.
Tax free - Distributions are tax free - visit IRS.gov for more details.
Multiple savings options - All DCU's IRA programs may be used for Coverdell Education Savings Accounts.
¹DCU cannot provide legal, tax, or estate planning advice. We suggest you discuss your particular situation with a tax consultant or advisor. 

Certificate IRA Rates

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

Term Terms Dividend Rate Dividend Rate APY¹ APY¹ Minimum balance to open and earn Minimum balance to open and earn
60 months 1.60% 1.61% $500.00
48 to 59 months 1.50% 1.51% $500.00
36 to 47 months 1.40% 1.41% $500.00
24 to 35 months 1.30% 1.31% $500.00
12 to 23 months 1.20% 1.21% $500.00
6 to 11 months 0.80% 0.80% $500.00
3 to 5 months 0.55% 0.55% $500.00
Term Terms Dividend Rate Dividend Rate APY¹ APY¹ Minimum balance to open and earn Minimum balance to open and earn
60 months 1.60% 1.61% $500.00
48 to 59 months 1.50% 1.51% $500.00
36 to 47 months 1.40% 1.41% $500.00
24 to 35 months 1.30% 1.31% $500.00
12 to 23 months 1.20% 1.21% $500.00
6 to 11 months 0.80% 0.80% $500.00
3 to 5 months 0.55% 0.55% $500.00

Rates are effective {currentdate}.

¹APY=Annual Percentage Yield. Rates are variable and are subject to change weekly. The rate will remain in effect for the term of the certificate once issued. A Penalty may be imposed for early withdrawal. Early withdrawal may also result in tax implications. 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.

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 0.85% 0.85%
$50,000.00 to $99,999.99 0.75% 0.75%
$25,000.00 to $49,999.9 0.75% 0.75%
$10,000.00 to $24,999.99 0.65% 0.65%
$1,000.00 to $9,999.99 0.65% 0.65%
Minimum Daily Balance to earn Minimum Daily Balance to earn Dividend Rate Dividend Rate APY¹ APY¹
$100,000.00 or more 0.85% 0.85%
$50,000.00 to $99,999.99 0.75% 0.75%
$25,000.00 to $49,999.9 0.75% 0.75%
$10,000.00 to $24,999.99 0.65% 0.65%
$1,000.00 to $9,999.99 0.65% 0.65%

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.

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 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.

What Our Members Are Saying

Excellent Customer Service

RATINGS 5 5 / 5 stars

Each time I enter the new location of DCU in Leominster/Lancaster on route 117 I am greeted by nice people who are welcoming, respectful and helpful. The place is very clean, which makes me feel good about being there. I know it's arbitrary but it actually does count for something.

Joan – Sterling, MA

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Fast and easy

RATINGS 5 5 / 5 stars

DCU's IRA folks are tax experts, friendly and more importantly, work at the lightening fast speed! With just a few days left in the tax year, I called the service center in the afternoon, explained the situation, she immediately conferenced me with the IRA team who suggested the best alternative for my tax situation...

Anurag – Meriden, CT

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A great place to park your money!

RATINGS 5 5 / 5 stars

As a 25 year member of DCU, I am thrilled that the institution has been reliable, progressive and personable to the needs of its members. Contributing my assets to an organization that has a meaningful connection for me is very rewarding at many levels.

Patty Rose - Saline, MI

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

ABA Routing Number: 211391825
NMLS# 466914

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