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%*
|Ratings and Reviews|
|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||✔||✔||✔|
|Learn More||Learn More||Learn More|
Annual Percentage Yield (APY) 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.
IRA transactions are subject to IRS rules and regulations. To review these rules and regulations, click here.