Personal > IRA Savings and Certificates

Individual Retirement Accounts (IRAs)

A secure financial future starts today.

We’re your home for tax-sheltered savings plans and other strategies for securing a successful retirement.

DNCU 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
Available to those who meet all IRS IRA eligibility requirements and have earned income in the current tax year
Insured by the NCUA to at least $250,000

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
Insured by the NCUA to at least $250,000

Certificates and IRA Certificates - $1,000+ Minimum Balance
Term	Dividend Rate	APY**
DISCLOSURES $1,000+ Minimum Balance to obtain APY. Minimum Balance to Open of $1,000. Deposit Rates are current as of January 1, 2023. Rates and Fees may change at any time without notice. Please contact a member services representative for details. **APY= Annual Percentage Yield. Fee May Reduce Earnings on the Account. A Penalty May be Imposed for Early Withdrawal on any Share Certificate product.
Term 3 month	Dividend Rate 0.598%	APY** 0.60%
Term 6 month	Dividend Rate 1.292%	APY** 1.30%
Term 9 month	Dividend Rate 1.391%	APY** 1.40%
Term 12 month	Dividend Rate 1.884%	APY** 1.90%
Term 17 Month CD Special	Dividend Rate 3.977%	APY 4.05%**
Term 18 month	Dividend Rate 1.933%	APY** 1.95%
Term 24 month	Dividend Rate 2.325%	APY** 2.35%
Term 31 Month CD Special	Dividend Rate 3.842%	APY 3.91%**
Term 36 month	Dividend Rate 2.618%	APY** 2.65%
Term 48 month	Dividend Rate 2.667%	APY** 2.70%
Term 60 month	Dividend Rate 2.716%	APY** 2.75%

Certificates and IRA Certificates - $10,000+ Minimum Balance
Term	Dividend Rate	APY**
DISCLOSURES $10,000+ Minimum Balance to obtain APY. Minimum Balance to Open of $10,000. Deposit Rates are current as of January 1, 2023. Rates and Fees may change at any time without notice. Please contact a member services representative for details. **APY= Annual Percentage Yield. Fee May Reduce Earnings on the Account. A Penalty May be Imposed for Early Withdrawal on any Share Certificate product.
Term 3 month	Dividend Rate 0.648%	APY** 0.65%
Term 6 month	Dividend Rate 1.342%	APY** 1.35%
Term 9 month	Dividend Rate 1.440%	APY** 1.45%
Term 12 month	Dividend Rate 1.933%	APY** 1.95%
Term 17 Month CD Special	Dividend Rate 3.977%	APY 4.05%**
Term 18 month	Dividend Rate 1.982%	APY** 2.00%
Term 24 month	Dividend Rate 2.374%	APY** 2.40%
Term 31 Month Cd Special	Dividend Rate 3.842%	APY 3.91%**
Term 36 month	Dividend Rate 2.667%	APY** 2.70%
Term 48 month	Dividend Rate 2.716%	APY** 2.75%
Term 60 month	Dividend Rate 2.765%	APY** 2.80%

Certificates and IRA Certificates - $100,000+ Minimum Balance
Term	Dividend Rate	APY**
DISCLOSURES $100,000+ Minimum Balance to obtain APY. Minimum Balance to Open of $100,000. Deposit Rates are current as of January 1, 2023. Rates and Fees may change at anytime without notice. Please contact a member services representative for details. **APY= Annual Percentage Yield. Fee May Reduce Earnings on the Account. A Penalty May be Imposed for Early Withdrawal on any Share Certificate product.
Term 3 month	Dividend Rate 0.698%	APY** 0.70%
Term 6 month	Dividend Rate 1.391%	APY** 1.40%
Term 9 month	Dividend Rate 1.490%	APY** 1.50%
Term 12 month	Dividend Rate 1.982%	APY** 2.00%
Term 17 Month CD Special	Dividend Rate 3.977%	APY 4.05%**
Term 18 month	Dividend Rate 2.031%	APY** 2.05%
Term 24 month	Dividend Rate 2.423%	APY** 2.45%
Term 31 Month CD Special	Dividend Rate 3.842%	APY 3.91%**
Term 36 month	Dividend Rate 2.716%	APY** 2.75%
Term 48 month	Dividend Rate 2.765%	APY** 2.80%
Term 60 month	Dividend Rate 2.813%	APY** 2.85%