IRA Rates
Dividend Rates and Annual Percentage Yields are effective.
Tuesday, July 08, 2025
60-Month** - (Minimum Opening Deposit $500) | ||
| Balance to Earn APY | Annual Percentage Yield | Dividend Rate |
| $500.00 - $9,999.99 | 1.50% | 1.49% |
| $10,000.00 - $49,999.99 | 1.55% | 1.54% |
| $50,000.00 - $74,999.99 | 1.60% | 1.59% |
| $75,000.00 - $99,999.99 | 1.70% | 1.69% |
| $100,000.00 - $499,999.99 | 1.85% | 1.83% |
| $500,000.00 - $999,999.99 | 1.85% | 1.83% |
| $1,000,000.00 or more | 1.95% | 1.93% |
48-Month Bump Up - (Minimum Opening Deposit $500) | ||
| Balance to Earn APY | Annual Percentage Yield | Dividend Rate |
| $500.00 - $9,999.99 | 1.20% | 1.19% |
| $10,000.00 - $49,999.99 | 1.25% | 1.24% |
| $50,000.00 - $74,999.99 | 1.30% | 1.29% |
| $75,000.00 - $99,999.99 | 1.40% | 1.39% |
| $100,000.00 - $499,999.99 | 1.50% | 1.49% |
| $500,000.00 - $999,999.99 | 1.50% | 1.49% |
| $1,000,000.00 or more | 1.55% | 1.54% |
48-Month** - (Minimum Opening Deposit $500) | ||
| Balance to Earn APY | Annual Percentage Yield | Dividend Rate |
| $500.00 - $9,999.99 | 1.40% | 1.39% |
| $10,000.00 - $49,999.99 | 1.45% | 1.44% |
| $50,000.00 - $74,999.99 | 1.50% | 1.49% |
| $75,000.00 - $99,999.99 | 1.60% | 1.59% |
| $100,000.00 - $499,999.99 | 1.70% | 1.69% |
| $500,000.00 - $999,999.99 | 1.70% | 1.69% |
| $1,000,000.00 or more | 1.75% | 1.74% |
36-Month** - (Minimum Opening Deposit $500) | ||
| Balance to Earn APY | Annual Percentage Yield | Dividend Rate |
| $500.00 - $9,999.99 | 1.30% | 1.29% |
| $10,000.00 - $49,999.99 | 1.35% | 1.34% |
| $50,000.00 - $74,999.99 | 1.40% | 1.39% |
| $75,000.00 - $99,999.99 | 1.50% | 1.49% |
| $100,000.00 - $499,999.99 | 1.60% | 1.59% |
| $500,000.00 - $999,999.99 | 1.60% | 1.59% |
| $1,000,000.00 or more | 1.65% | 1.64% |
30-Month** - (Minimum Opening Deposit $500) | ||
| Balance to Earn APY | Annual Percentage Yield | Dividend Rate |
| $500.00 - $9,999.99 | 1.20% | 1.19% |
| $10,000.00 - $49,999.99 | 1.25% | 1.24% |
| $50,000.00 - $74,999.99 | 1.30% | 1.29% |
| $75,000.00 - $99,999.99 | 1.40% | 1.39% |
| $100,000.00 - $499,999.99 | 1.50% | 1.49% |
| $500,000.00 - $999,999.99 | 1.50% | 1.49% |
| $1,000,000.00 or more | 1.55% | 1.54% |
24-Month - (Minimum Opening Deposit $500) | ||
| Balance to Earn APY | Annual Percentage Yield | Dividend Rate |
| $500.00 - $9,999.99 | 1.15% | 1.14% |
| $10,000.00 - $49,999.99 | 1.20% | 1.19% |
| $50,000.00 - $74,999.99 | 1.25% | 1.24% |
| $75,000.00 - $99,999.99 | 1.35% | 1.34% |
| $100,000.00 - $499,999.99 | 1.45% | 1.44% |
| $500,000.00 - $999,999.99 | 1.45% | 1.44% |
| $1,000,000.00 or more | 1.50% | 1.49% |
24-Month Bump Up - (Minimum Opening Deposit $500) | ||
| Balance to Earn APY | Annual Percentage Yield | Dividend Rate |
| $500.00 - $9,999.99 | 1.00% | 1.00% |
| $10,000.00 - $49,999.99 | 1.05% | 1.05% |
| $50,000.00 - $74,999.99 | 1.10% | 1.09% |
| $75,000.00 - $99,999.99 | 1.20% | 1.19% |
| $100,000.00 - $499,999.99 | 1.30% | 1.29% |
| $500,000.00 - $999,999.99 | 1.30% | 1.29% |
| $1,000,000.00 or more | 1.35% | 1.34% |
18-Month** - (Minimum Opening Deposit $500) | ||
| Balance to Earn APY | Annual Percentage Yield | Dividend Rate |
| $500.00 - $9,999.99 | 1.10% | 1.09% |
| $10,000.00 - $49,999.99 | 1.15% | 1.14% |
| $50,000.00 - $74,999.99 | 1.20% | 1.19% |
| $75,000.00 - $99,999.99 | 1.30% | 1.29% |
| $100,000.00 - $499,999.99 | 1.40% | 1.39% |
| $500,000.00 - $999,999.99 | 1.40% | 1.39% |
| $1,000,000.00 or more | 1.45% | 1.44% |
12-Month Bump Up - (Minimum Opening Deposit $500) | ||
| Balance to Earn APY | Annual Percentage Yield | Dividend Rate |
| $500.00 - $9,999.99 | 0.85% | 0.85% |
| $10,000.00 - $49,999.99 | 0.90% | 0.90% |
| $50,000.00 - $74,999.99 | 0.95% | 0.95% |
| $75,000.00 - $99,999.99 | 1.05% | 1.05% |
| $100,000.00 - $499,999.99 | 1.15% | 1.14% |
| $500,000.00 - $999,999.99 | 1.15% | 1.14% |
| $1,000,000.00 or more | 1.20% | 1.19% |
12-Month** - (Minimum Opening Deposit $500) | ||
| Balance to Earn APY | Annual Percentage Yield | Dividend Rate |
| $500.00 - $9,999.99 | 0.95% | 0.95% |
| $10,000.00 - $49,999.99 | 1.00% | 1.00% |
| $50,000.00 - $74,999.99 | 1.05% | 1.05% |
| $75,000.00 - $99,999.99 | 1.15% | 1.14% |
| $100,000.00 - $499,999.99 | 1.25% | 1.24% |
| $500,000.00 - $999,999.99 | 1.25% | 1.24% |
| $1,000,000.00 or more | 1.30% | 1.29% |
11-Month - (Minimum Opening Deposit $500) | ||
| Balance to Earn APY | Annual Percentage Yield | Dividend Rate |
| $500.00 - $9,999.99 | 3.80% | 3.74% |
| $10,000.00 - $49,999.99 | 3.80% | 3.74% |
| $50,000.00 - $74,999.99 | 3.80% | 3.74% |
| $75,000.00 - $99,999.99 | 3.80% | 3.74% |
| $100,000.00 - $499,999.99 | 3.80% | 3.74% |
| $500,000.00 - $999,999.99 | 3.80% | 3.74% |
| $1,000,000.00 or more | 3.80% | 3.74% |
9-Month No Penalty - (Minimum Opening Deposit $5,000) | ||
| Balance to Earn APY | Annual Percentage Yield | Dividend Rate |
| $5,000.00 or more | 0.75% | 0.75% |
6-Month** - (Minimum Opening Deposit $500) | ||
| Balance to Earn APY | Annual Percentage Yield | Dividend Rate |
| $500.00 - $9,999.99 | 0.80% | 0.80% |
| $10,000.00 - $49,999.99 | 0.85% | 0.85% |
| $50,000.00 - $74,999.99 | 0.90% | 0.90% |
| $75,000.00 - $99,999.99 | 1.00% | 1.00% |
| $100,000.00 - $499,999.99 | 1.10% | 1.09% |
| $500,000.00 - $999,999.99 | 1.10% | 1.09% |
| $1,000,000.00 or more | 1.15% | 1.14% |
3-Month* ** - (Minimum Opening Deposit $500) | ||
| Balance to Earn APY | Annual Percentage Yield | Dividend Rate |
| $500.00 - $9,999.99 | 0.75% | 0.75% |
| $10,000.00 - $49,999.99 | 0.80% | 0.80% |
| $50,000.00 - $74,999.99 | 0.85% | 0.85% |
| $75,000.00 - $99,999.99 | 0.95% | 0.95% |
| $100,000.00 - $499,999.99 | 1.05% | 1.05% |
| $500,000.00 - $999,999.99 | 1.05% | 1.05% |
| $1,000,000.00 or more | 1.10% | 1.09% |
IRA Money Market - (Minimum Opening Deposit $0) | ||
| Balance to Earn APY | Annual Percentage Yield | Dividend Rate |
| $0.00 - $2,499.99 | 0.05% | 0.05% |
| $2,500.00 - $24,999.99 | 0.50% | 0.50% |
| $25,000.00 - $49,999.99 | 0.65% | 0.65% |
| $50,000.00 - $99,999.99 | 0.75% | 0.75% |
| $100,000.00 - $249,999.99 | 1.00% | 1.00% |
| $250,000.00 or more | 1.25% | 1.24% |
* Paid at maturity
**Coverdell Education Savings Account (ESA) Certificate available
- Rates are subject to change without notice.
- For IRA Money Market and Coverdell ESA the rate may change after the account is opened.
- Certificate Truth in Savings Disclosure for full terms. Penalty for early withdrawal.
- Fees could reduce the earnings on accounts.
CERTAIN PRODUCTS AND RATES ARE NOT AVAILABLE FOR PUBLIC FUNDS ACCOUNTS, FINANCIAL INSTITUTIONS, OR OTHER INSTITUTIONAL INVESTORS.
Insured by NCUA.