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DCU Routing Number: 211391825

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    Certificate IRA

    Lock in great dividend rates on your retirement funds.

    OPEN NOW

    At a Glance

    Saving for retirement is important for people of all ages. An Individual Retirement Account (IRA) Certificate can help you get to where you want to be when you retire.

    Benefits

    Terms 3 to 60 months - dividends are compounded daily and credited monthly.
    Automatic renewal - nothing you need to do when your Certificate renews to keep the same term.
    Jump-Up option available - jump the rate up at either the 15- or 27-month term when rates rise.
    Save for a child's qualified education expenses - Certificate IRAs may be used for Coverdell Education Savings Accounts.
    As High As
    4.86% APY

    MINIMUM TO OPEN

    $500

    MINIMUM TO EARN

    $500

    MONTHLY FEE

    $0.00

    AVAILABLE TERMS

    3 to 60 months

    Certificate IRA Rates

    May be used for Traditional, Roth, SEP, and SIMPLE accounts. | Minimum balance of $500.00 to open. Minimum daily balance of $500.00 to earn APY¹

    Term Dividend Rate APY¹
    60 months 3.40% 3.46%
    48 to 59 months 3.45% 3.51%
    36 to 47 months 3.55% 3.61%
    24 to 35 months 4.15% 4.24%
    12 to 23 months 4.25% 4.34%
    6 to 11 months 4.50% 4.60%
    3 to 5 months 4.75% 4.86%
    Rates are effective

    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. Dividends compounded daily, credited monthly. 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.

    Jump-Up Certificate IRA Rates

    Jump the rate up one time per term – you decide when | Minimum balance of $500.00 to open. Minimum daily balance of $500.00 to earn APY¹

    Term Dividend Rate APY¹
    27 months 4.15% 4.24%
    15 months 4.25% 4.34%
    Rates are effective

    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, unless you decide to jump up the rate once during the term of the certificate. Dividends compounded daily, credited monthly. 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.

    Early Certificate IRA Closing Penalties

    Length Penalty
    3-11 months 60 days' dividend
    12-35 months 90 days' dividend
    36-60 months 180 days' dividend

    The same penalties apply on amounts prematurely withdrawn from a Certificate. IRS penalties may apply on IRA Certificate withdrawals. Jump-Up Certificate early withdrawal penalties will be calculated at the rate being earned at the time of withdrawal.

    IRA transactions are subject to IRS rules and regulations. To review these rules and regulations, click here.

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    853 Donald Lynch Boulevard
    PO Box 9130
    Marlborough, MA 01752-9130

    ABA Routing Number: 211391825
    NMLS# 466914

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