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Rates

Deposit Rates

IRA (Traditional, Roth or Coverdell Education Savings Account)

Rates effective October 23, 2017

  Account Type  Min. Balance  Dividend Rate  APY *
15 Month Certificate Special**$4,0001.39%1.40%   
1 Year$1,000.85%.85%   
18 Month$1,0001.10%1.10%   
2 Year$1,0001.19%1.20%   
3 Year$1,0001.34%1.35%   
5 Year$1,0001.69%1.70%   
Accumulator IRA (Traditional & Roth Only)None.35%.35%   
Coverdell Education Savings AccountNone.35%.35%   
Members Choice Money Market(1)(With Active Checking)$75,000.80%.80%   
Memberís Choice Money Market(1) (Without Checking Account)$75,000.35%.35%   
Ultimate IRA Money Market (2)$15,000.50%.50%   
Affordable IRA Money Market (3)$7,500.35%.35%   
(1) Balances falling below $75,000 earn a rate and APY of 0.25%, and incur a $25 monthly service charge.
(2) Balances falling below $15,000 earn a rate and APY of 0.25%, and incur a $15 monthly service charge.
(3) Balances falling below $7,500 earn a rate and APYof 0.25%, and incur a $15 monthly service charge.

APY * = Annual Percentage Yield  ** Add .10% when you have checking & direct deposit.

Penalty for early withdrawal on IRA Certificates.

Rates on non-certificate IRAs may change after account opening and fees may reduce earnings. 

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