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.