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An IRA Helps You Take
Control of Your Future________________________________________
Individual Retirement Accounts
Take control of your future — and save on your income taxes — by investing in a Direct Financial Individual Retirement Account (IRA).
Choose from Roth, Coverdell Education Savings, SEP and Traditional IRAs. Save for your retirement, your child's post-secondary education or for your first house:
- minimum $5 investment (on 18 month, variable rate)
- no maintenance fees, so every dollar stays in your account earning interest
- competitive dividend rates are earned daily and compounded and paid quarterly
Your deposits are federally insured up to $250,000 per member by the National Credit Union Administration.
Additional coverage may apply based on ownership of account.
IRA Rates
Individual Retirement Accounts
| Minimum to Open & Earn APY* | Dividend Rate | APY* | Alert Me | |
|---|---|---|---|---|
| IRA Share Account | $5 | .20% | .20% | |
| *APY: Annual Percentage Yield. Rates are subject to change after account opening. | ||||
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| Type | Minimum to Open | Balance Tier | Dividend Rate | APY* | Alert Me |
|---|---|---|---|---|---|
| 18 month certificate | $5 | Under $25,000 | 4.00% | 4.06% | |
| $25,000 and Over | 4.15% | 4.22% | |||
| *APY: Annual Percentage Yield. Rates are subject to change after account opening. Early withdrawal penalties may apply. | |||||
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| Type | Minimum to Open | Balance Tier | Dividend Rate | APY* | Alert Me |
|---|---|---|---|---|---|
| 18 Months | $1,000 | Under $25,000 | 4.00% | 4.06% | |
| $25,000 and Over | 4.00% | 4.06% | |||
| *APY: Annual Percentage Yield. Early withdrawal penalties may apply. | |||||
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| Type | Minimum to Open & Earn APY* | Balance Tier | Dividend Rate | APY* | Alert Me |
|---|---|---|---|---|---|
| 12 to 23 Months | $1,000 | Under $25,000 | 1.75% | 1.76% | |
| $25,000 and Over | 1.90% | 1.92% | |||
| 24 to 35 Months | $1,000 | Under $25,000 | 2.00% | 2.02% | |
| $25,000 and Over | 2.15% | 2.17% | |||
| 36 to 59 Months | $1,000 | Under $25,000 | 2.10% | 2.12% | |
| $25,000 and Over | 2.25% | 2.27% | |||
| 60 Months & Above | $1,000 | Under $25,000 | 2.25% | 2.27% | |
| $25,000 and Over | 2.40% | 2.42% | |||
| *APY: Annual Percentage Yield. Early withdrawal penalties may apply. | |||||
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