IRAs

IRA Certificates

Rates Effective June 4, 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
Rate APY* Rate APY* Rate APY*
3 month 0.30% 0.30% 0.35% 0.35% 0.40% 0.40%
6 month 0.55% 0.55% 0.60% 0.60% 0.65% 0.65%
12 month 1.24% 1.25% 1.29% 1.30% 1.34% 1.35%
24 month 1.39% 1.40% 1.44% 1.45% 1.49% 1.50%
36 month 1.49% 1.50% 1.54% 1.55% 1.59% 1.60%
48 month 1.78% 1.80% 1.83% 1.85% 1.88% 1.90%
60 month 1.98% 2.00% 2.03% 2.05% 2.08% 2.10%
Coverdell Certificate
Minimum to open: $1,000
Minimum to earn dividends: $1,000
Rate APY*
3 month 0.30% 0.30%
6 month 0.55% 0.55%
12 month 1.24% 1.25%
24 month 1.39% 1.40%
36 month 1.49% 1.50%
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
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.