High Yield 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.

To open your High Yield IRA Savings account, fill and print out our forms and bring them in to a branch. IRA Certificate rates can be applied to the Coverdell ESA.

IRA Certificates Rates

Special Promotional IRA Certificate Terms1 Minimum Deposit Dividend Rate APY
7-90 Day Mini Jumbo $50,000 .50% .50% APY2
18 Month Promo $250 4.07% 4.15% APY2
IRA Certificate Terms1 Minimum Deposit Dividend Rate APY
6 Month $250 2.96% 3.00% APY2
12 Month $250 3.93% 4.00% APY2
24 Month $250 4.17% 4.25% APY2
36 Month $250 3.93% 4.00% APY2
48 Month $250 3.83% 3.90% APY2
60 Month $250 3.73% 3.80% APY2

High Yield IRA Savings Rates

Product Minimum Deposit Dividend Rate APY Dividend Rate
w/Direct Deposit
w/Direct Deposit
IRA High Yield Savings Account N/A 0.35% 0.35% APY2 0.60% 0.60% APY3

1. 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. 

2. APY means Annual Percentage Yield. IRA 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.

3. To obtain this rate, member must have a Coastal checking account in good standing and have a direct deposit into that checking account of $500.

Need help?

Or Call Us