Individual Retirement Accounts (IRAs)
A secure financial future starts today.
Del Norte Credit Union offers two options for those interested in taking advantage of Individual Retirement Accounts as part of a successful retirement strategy.
IRA Share Accounts
- Traditional, ROTH and Education Savings IRAs are available
- Contributions may be deducted from taxable income
- If your tax rate will be lower in the future, a traditional IRA may help you make the most of your tax benefits as you can take the deduction on your contribution this tax year and pay taxes on withdrawals in the future at a lower rate. The opposite may be true for Roth IRA contributions.
- Available to those who meet all IRS IRA eligibility requirements and have earned income in the current tax year
- Each member is insured by the NCUA to at least $250,000
IRA Certificates
- Work just like DNCU Share Certificates but provide the added advantage of tax-deferred dividends
- Available to those who meet all IRS IRA eligibility requirements and have earned income in the current tax year
- Each member is insured by the NCUA to at least $250,000
Current IRA Certificate Rates
|
Término |
Tasa de dividendo |
TAE** |
|---|---|---|
|
DIVULGACIONES Saldo mínimo para obtener APY de $1,000+. Saldo mínimo para abrir una cuenta de $1,000. Deposit Rates are current as of June 20, 2026. Rates and Fees may change at any time without notice. Please contact a member services representative for details. **APY = Rendimiento porcentual anual. La comisión puede reducir las ganancias de la cuenta. Se puede aplicar una penalización por retiro anticipado en cualquier producto de certificado de acciones. |
||
|
Término 3 meses |
Tasa de dividendo 3.50% |
TAE** 3.56% |
|
Término 6 meses |
Tasa de dividendo 3.50% |
TAE** 3.56% |
|
Término Oferta especial de 8 meses |
Tasa de dividendo 3.95% |
TAE** 4.03% |
|
Término 9 meses |
Tasa de dividendo 3.50% |
TAE** 3.56% |
|
Término 12 meses |
Tasa de dividendo 3.50% |
TAE** 3.56% |
|
Término Oferta especial de 13 meses |
Tasa de dividendo 4.20% |
TAE** 4.29% |
|
Término 18 meses |
Tasa de dividendo 3.35% |
TAE** 3.41% |
|
Término 24 meses |
Tasa de dividendo 3.25% |
TAE** 3.30% |
|
Término 36 meses |
Tasa de dividendo 3.20% |
TAE** 3.25% |
|
Término 48 meses |
Tasa de dividendo 3.10% |
TAE** 3.15% |
|
Término 60 meses |
Tasa de dividendo 3.10% |
TAE** 3.15% |
|
Término |
Tasa de dividendo |
TAE** |
|---|---|---|
|
DIVULGACIONES Saldo mínimo para obtener APY de $10,000+. Saldo mínimo para abrir de $10,000. Deposit Rates are current as of June 20, 2026. Rates and Fees may change at any time without notice. Please contact a member services representative for details. **APY = Rendimiento porcentual anual. La comisión puede reducir las ganancias de la cuenta. Se puede aplicar una penalización por retiro anticipado en cualquier producto de certificado de acciones. |
||
|
Término 3 meses |
Tasa de dividendo 3.55% |
TAE** 3.61% |
|
Término 6 meses |
Tasa de dividendo 3.55% |
TAE** 3.61% |
|
Término Oferta especial de 8 meses |
Tasa de dividendo 4.00% |
TAE** 4.08% |
|
Término 9 meses |
Tasa de dividendo 3.55% |
TAE** 3.61% |
|
Término 12 meses |
Tasa de dividendo 3.55% |
TAE** 3.61% |
|
Término Oferta especial de 13 meses |
Tasa de dividendo 4.25% |
TAE** 4.34% |
|
Término 18 meses |
Tasa de dividendo 3.40% |
TAE** 3.46% |
|
Término 24 meses |
Tasa de dividendo 3.30% |
TAE** 3.35% |
|
Término 36 meses |
Tasa de dividendo 3.25% |
TAE** 3.30% |
|
Término 48 meses |
Tasa de dividendo 3.15% |
TAE** 3.20% |
|
Término 60 meses |
Tasa de dividendo 3.15% |
TAE** 3.20% |
|
Término |
Tasa de dividendo |
TAE** |
|---|---|---|
|
DIVULGACIONES Saldo mínimo para obtener APY de $100,000+. Saldo mínimo para abrir de $100,000. Deposit Rates are current as of June 20, 2026. Rates and Fees may change at anytime without notice. Please contact a member services representative for details. **APY = Rendimiento porcentual anual. La comisión puede reducir las ganancias de la cuenta. Se puede aplicar una penalización por retiro anticipado en cualquier producto de certificado de acciones. |
||
|
Término 3 meses |
Tasa de dividendo 3.60% |
TAE** 3.67% |
|
Término 6 meses |
Tasa de dividendo 3.60% |
TAE** 3.67% |
|
Término Oferta especial de 8 meses |
Tasa de dividendo 4.05% |
TAE** 4.13% |
|
Término 9 meses |
Tasa de dividendo 3.60% |
TAE** 3.67% |
|
Término 12 meses |
Tasa de dividendo 3.60% |
TAE** 3.67% |
|
Término Oferta especial de 13 meses |
Tasa de dividendo 4.30% |
TAE** 4.39% |
|
Término 18 meses |
Tasa de dividendo 3.45% |
TAE** 3.51% |
|
Término 24 meses |
Tasa de dividendo 3.35% |
TAE** 3.41% |
|
Término 36 meses |
Tasa de dividendo 3.30% |
TAE** 3.35% |
|
Término 48 meses |
Tasa de dividendo 3.20% |
TAE** 3.25% |
|
Término 60 meses |
Tasa de dividendo 3.20% |
TAE** 3.25% |
Learn more about Individual Retirement Accounts (IRAs)
Visit a Member Experience Consultant at any of our branches, consult a tax advisor, or call us at (877) 818-DNCU for more information and assistance.
Únete a nosotros
505-455-5228 o
(877) 818-3628 número gratuito.