IRAs
IRA Certificates
Rates Effective December 10, 2018. Call 800.948.6677 for current rate information.
| Traditional/Roth IRA Certificate Minimum to open: $1,000 Minimum to earn dividends: $1,000 |
Traditional/Roth IRA Mini-Jumbo Certificate Minimum to open: $50,000 Minimum to earn dividends: $50,000 |
Traditional/Roth IRA Jumbo Certificate Minimum to open: $100,000 Minimum to earn dividends: $100,000 |
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|---|---|---|---|---|---|---|
| Rate | APY* | Rate | APY* | Rate | APY* | |
| 3 month | 0.45% | 0.45% | 0.50% | 0.51% | 0.55% | 0.55% |
| 6 month | 0.84% | 0.85% | 0.90% | 0.90% | 0.95% | 0.96% |
| 12 month | 1.53% | 1.55% | 1.78% | 1.80% | 2.02% | 2.05% |
| 24 month | 1.63% | 1.65% | 1.88% | 1.90% | 2.12% | 2.15% |
| 36 month | 1.73% | 1.75% | 1.97% | 2.00% | 2.22% | 2.25% |
| 48 month | 1.78% | 1.80% | 2.07% | 2.10% | 2.32% | 2.35% |
| 60 month | 1.98% | 2.00% | 2.17% | 2.20% | 2.42% | 2.45% |
| Coverdell Certificate Minimum to open: $1,000 Minimum to earn dividends: $1,000 |
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|---|---|---|---|---|
| Rate | APY* | |||
| 3 month | 0.45% | 0.45% | ||
| 6 month | 0.84% | 0.85% | ||
| 12 month | 1.53% | 1.55% | ||
| 24 month | 1.63% | 1.65% | ||
| 36 month | 1.73% | 1.75% | ||
| 48 month | 1.78% | 1.80% | ||
| 60 month | 1.98% | 2.00% | ||
Additional Certificate Rate Add-Ons
| Standard | Bronze | Silver | Gold | Platinum | Platinum Elite | |
|---|---|---|---|---|---|---|
| Dividend Increase on Certificate less than 24 months | — | 0.05% | 0.10% | 0.20% | 0.30% | 0.40% |
| Dividend Increase on Certificates 24 months or greater | — | 0.05% | 0.15% | 0.25% | 0.40% | 0.50% |
| Senior Increase (55+) | 0.10% | 0.10% | 0.10% | 0.10% | 0.10% | 0.10% |
IRA Savings
| Traditional IRA Minimum to open: $100 Minimum to earn dividends: $100 |
Roth IRA Minimum to open: $100 Minimum to earn dividends: $100 |
Coverdell ESA Savings Minimum to open: $100 Minimum to earn dividends: $100 |
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|---|---|---|---|---|---|---|
| Rate | APY* | Rate | APY* | Rate | APY* | |
| 0.50% | 0.50% | 0.50% | 0.50% | 0.50% | 0.50% | |
*APY = Annual Percentage Yield. This schedule is incorporated as part of your account agreement with Partners Federal Credit Union. Each Member is federally insured up to $250,000 by the NCUA (National Credit Union Administration), a U.S. Government agency. Fees and other conditions may reduce earnings on the account. Early withdrawal penalties may apply. All rates are subject to change without notice. The rate contracted for all certificates will remain in effect for the entire term of the certificate. Certificates will be automatically renewed at the prevailing rate upon maturity.
