What Can DCU Save You?

Retirement Accounts

Federally-insured, safe, and sensible IRA options to hold and grow your nest egg.

Compare Certificate IRA Money Market IRA Savings IRA
Lock up your money to earn our best insured IRA dividend rates. Your dividend rate grows as your balance grows. A good start when your initial balance is small
Today's best Annual Percentage Yield 1.86%*
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0.80%**
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0.20%
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Minimum balance to open $500 $0 $0
Minimum balance to earn dividends $500 $1,000 $1
Available terms 3 to 60 months in one-month increments n/a n/a
How dividends are paid Compounded daily, credited monthly Compounded daily, credited monthly Compounded daily, credited monthly
Available as Traditional, Roth, SEP, or SIMPLE IRA
Available as Coverdell Education Savings Account
Monthly fees None None None
Federally Insured
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Rates are effective .

* Best dividend rates are for members who qualify for Relationship benefits on their DCU Checking Account. Without Relationship benefits, you'll earn .25% less than advertised dividend rates. Rates determined by term of Certificate.

** Money Market IRAs have five dividend rate tiers based on your daily balance. Rate indicated is on highest daily balance tier.