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IRA Rates

Steady rates grow your savings with an eye on the future.

Various terms help you plan ahead

Our IRA Rates help you bank better:

Take tomorrow into consideration.

Everyone wants a secure retirement. But how do you get there? Our Individual Retirement Account rates help North Carolina neighbors grow their money steadily over the long haul so they can reap the benefits of their patience down the road.

IRA Rates

Special Promotional IRA Certificate Terms1 Minimum Deposit Dividend Rate APY
18 Month $250 1.24% 1.25% APY*
7-90 Day Mini Jumbo $50,000 .50% .50% APY*
IRA Certificate Terms1 Minimum Deposit Dividend Rate APY
6 Month $250 .30% .30% APY*
12 Month $250 .40% .40% APY*
24 Month $250 .60% .60% APY*
36 Month $250 1.49% 1.50% APY*
48 Month $250 1.74% 1.75% APY*
60 Month $250 1.98% 2.00% APY*
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Having this account allowed me to save for college and now I have the opportunity to pay for my education without having to worry about interest.
Claudia M.

1 Savings rates are subject to change daily. All member deposits are insured up to $250,000 (funds in IRA accounts are eligible for separate insurance protection up to $250,000 by the National Credit Union Administration, an agency of the United States Government). Dividends are based on the Credit Union's earnings at the end of a dividend period and thus cannot be guaranteed. Note: APY means Annual Percentage Yield. On certificate accounts the Credit Union may impose a penalty for early withdrawal. Fees may reduce earnings on accounts. Dividends may be forfeit if an account is closed before accrued dividends are credited. ** For additional IRA certificate rates, see certificate account rates above. 

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