IRA Certificate Account Rates

No matter what your income, age or goals, you'll discover a wide variety of savings accounts and programs at Members 1st.

IRA Rates

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Dividend Rates and Annual Percentage Yields are effective.

Thursday, July 07, 2022

60-Month** - (Minimum Opening Deposit $500)

Balance to Earn APYAnnual Percentage YieldDividend Rate
$500.00 - $9,999.991.10 %1.09 %
$10,000.00 - $49,999.991.15 %1.14 %
$50,000.00 - $74,999.991.20 %1.19 %
$75,000.00 - $99,999.991.30 %1.29 %
$100,000.00 - $499,999.991.45 %1.44 %
$500,000.00 - $999,999.991.45 %1.44 %
$1,000,000.00 or more1.55 %1.54 %

48-Month Bump Up - (Minimum Opening Deposit $500)

Balance to Earn APYAnnual Percentage YieldDividend Rate
$500.00 - $9,999.990.80 %0.80 %
$10,000.00 - $49,999.990.85 %0.85 %
$50,000.00 - $74,999.990.90 %0.90 %
$75,000.00 - $99,999.991.00 %1.00 %
$100,000.00 - $499,999.991.10 %1.09 %
$500,000.00 - $999,999.991.10 %1.09 %
$1,000,000.00 or more1.15 %1.14 %

48-Month** - (Minimum Opening Deposit $500)

Balance to Earn APYAnnual Percentage YieldDividend Rate
$500.00 - $9,999.991.00 %1.00 %
$10,000.00 - $49,999.991.05 %1.05 %
$50,000.00 - $74,999.991.10 %1.09 %
$75,000.00 - $99,999.991.20 %1.19 %
$100,000.00 - $499,999.991.30 %1.29 %
$500,000.00 - $999,999.991.30 %1.29 %
$1,000,000.00 or more1.35 %1.34 %

36-Month** - (Minimum Opening Deposit $500)

Balance to Earn APYAnnual Percentage YieldDividend Rate
$500.00 - $9,999.990.90 %0.90 %
$10,000.00 - $49,999.990.95 %0.95 %
$50,000.00 - $74,999.991.00 %1.00 %
$75,000.00 - $99,999.991.10 %1.09 %
$100,000.00 - $499,999.991.20 %1.19 %
$500,000.00 - $999,999.991.20 %1.19 %
$1,000,000.00 or more1.25 %1.24 %

30-Month** - (Minimum Opening Deposit $500)

Balance to Earn APYAnnual Percentage YieldDividend Rate
$500.00 - $9,999.990.80 %0.80 %
$10,000.00 - $49,999.990.85 %0.85 %
$50,000.00 - $74,999.990.90 %0.90 %
$75,000.00 - $99,999.991.00 %1.00 %
$100,000.00 - $499,999.991.10 %1.09 %
$500,000.00 - $999,999.991.10 %1.09 %
$1,000,000.00 or more1.15 %1.14 %

24-Month - (Minimum Opening Deposit $500)

Balance to Earn APYAnnual Percentage YieldDividend Rate
$500.00 - $9,999.990.75 %0.75 %
$10,000.00 - $49,999.990.80 %0.80 %
$50,000.00 - $74,999.990.85 %0.85 %
$75,000.00 - $99,999.990.95 %0.95 %
$100,000.00 - $499,999.991.05 %1.05 %
$500,000.00 - $999,999.991.05 %1.05 %
$1,000,000.00 or more1.10 %1.09 %

24-Month Bump Up - (Minimum Opening Deposit $500)

Balance to Earn APYAnnual Percentage YieldDividend Rate
$500.00 - $9,999.990.60 %0.60 %
$10,000.00 - $49,999.990.65 %0.65 %
$50,000.00 - $74,999.990.70 %0.70 %
$75,000.00 - $99,999.990.80 %0.80 %
$100,000.00 - $499,999.990.90 %0.90 %
$500,000.00 - $999,999.990.90 %0.90 %
$1,000,000.00 or more0.95 %0.95 %

18-Month** - (Minimum Opening Deposit $500)

Balance to Earn APYAnnual Percentage YieldDividend Rate
$500.00 - $9,999.991.45 %1.44 %
$10,000.00 - $49,999.991.50 %1.49 %
$50,000.00 - $74,999.991.55 %1.54 %
$75,000.00 - $99,999.991.65 %1.64 %
$100,000.00 - $499,999.991.75 %1.74 %
$500,000.00 - $999,999.991.75 %1.74 %
$1,000,000.00 or more1.80 %1.79 %

12-Month Bump Up - (Minimum Opening Deposit $500)

Balance to Earn APYAnnual Percentage YieldDividend Rate
$500.00 - $9,999.990.45 %0.45 %
$10,000.00 - $49,999.990.50 %0.50 %
$50,000.00 - $74,999.990.55 %0.55 %
$75,000.00 - $99,999.990.65 %0.65 %
$100,000.00 - $499,999.990.75 %0.75 %
$500,000.00 - $999,999.990.75 %0.75 %
$1,000,000.00 or more0.80 %0.80 %

12-Month** - (Minimum Opening Deposit $500)

Balance to Earn APYAnnual Percentage YieldDividend Rate
$500.00 - $9,999.990.55 %0.55 %
$10,000.00 - $49,999.990.60 %0.60 %
$50,000.00 - $74,999.990.65 %0.65 %
$75,000.00 - $99,999.990.75 %0.75 %
$100,000.00 - $499,999.990.85 %0.85 %
$500,000.00 - $999,999.990.85 %0.85 %
$1,000,000.00 or more0.90 %0.90 %

9-Month No Penalty - (Minimum Opening Deposit $5,000)

Balance to Earn APYAnnual Percentage YieldDividend Rate
$5,000.00 or more0.35 %0.35 %

6-Month** - (Minimum Opening Deposit $500)

Balance to Earn APYAnnual Percentage YieldDividend Rate
$500.00 - $9,999.990.40 %0.40 %
$10,000.00 - $49,999.990.45 %0.45 %
$50,000.00 - $74,999.990.50 %0.50 %
$75,000.00 - $99,999.990.60 %0.60 %
$100,000.00 - $499,999.990.70 %0.70 %
$500,000.00 - $999,999.990.70 %0.70 %
$1,000,000.00 or more0.75 %0.75 %

3-Month* ** - (Minimum Opening Deposit $500)

Balance to Earn APYAnnual Percentage YieldDividend Rate
$500.00 - $9,999.990.35 %0.35 %
$10,000.00 - $49,999.990.40 %0.40 %
$50,000.00 - $74,999.990.45 %0.45 %
$75,000.00 - $99,999.990.55 %0.55 %
$100,000.00 - $499,999.990.65 %0.65 %
$500,000.00 - $999,999.990.65 %0.65 %
$1,000,000.00 or more0.70 %0.70 %

IRA Money Market - (Minimum Opening Deposit $0)

Balance to Earn APYAnnual Percentage YieldDividend Rate
$0.00 - $2,499.990.05 %0.05 %
$2,500.00 - $24,999.990.10 %0.10 %
$25,000.00 - $49,999.990.10 %0.10 %
$50,000.00 - $99,999.990.15 %0.15 %
$100,000.00 - $249,999.990.20 %0.20 %
$250,000.00 or more0.25 %0.25 %

* Paid at maturity
**Coverdell Education Savings Account (ESA) Certificate available

CERTAIN PRODUCTS AND RATES ARE NOT AVAILABLE FOR PUBLIC FUNDS ACCOUNTS, FINANCIAL INSTITUTIONS, OR OTHER INSTITUTIONAL INVESTORS.

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