Del Norte Credit Union on Google Play Store Del Norte Credit Union on IOS app store
INSTALL VIEW

A reminder that Memorial Day is Monday, May 27th, and our offices will be closed. Saturday, May 25th hours for our Rio Rancho, Española-Riverside, and Cerrillos-Santa Fe locations will be open from 9 am – 1 pm.

Close

Personal > IRA Savings and Certificates

Senior male stretching before a run in the park

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
    • 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

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 September 25, 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

2.95%

APY**

2.99%

Term

6 month

Dividend Rate

4.45%

APY**

4.55%

Term

8 month Special

Dividend Rate

5.00%

APY**

5.13%

Term

9 month

Dividend Rate

4.45%

APY**

4.55%

Term

12 month

Dividend Rate

4.45%

APY**

4.55%

Term

13 month Special

Dividend Rate

5.50%

APY**

5.65%

Term

18 month

Dividend Rate

3.70%

APY**

3.77%

Term

24 month

Dividend Rate

3.45%

APY**

3.51%

Term

36 month

Dividend Rate

3.20%

APY**

3.25%

Term

48 month

Dividend Rate

3.05%

APY**

3.10%

Term

60 month

Dividend Rate

3.05%

APY**

3.10%

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 September 25, 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

3.00%

APY**

3.05%

Term

6 month

Dividend Rate

4.50%

APY**

4.60%

Term

8 month Special

Dividend Rate

5.00%

APY**

5.13%

Term

9 month

Dividend Rate

4.50%

APY**

4.60%

Term

12 month

Dividend Rate

4.50%

APY**

4.60%

Term

13 month Special

Dividend Rate

5.50%

APY**

5.65%

Term

18 month

Dividend Rate

3.75%

APY**

3.82%

Term

24 month

Dividend Rate

3.50%

APY**

3.56%

Term

36 month

Dividend Rate

3.25%

APY**

3.30%

Term

48 month

Dividend Rate

3.10%

APY**

3.15%

Term

60 month

Dividend Rate

3.10%

APY**

3.15%

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 September 25, 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

3.05%

APY**

3.10%

Term

6 month

Dividend Rate

4.55%

APY**

4.65%

Term

8 month Special

Dividend Rate

5.00%

APY**

5.13%

Term

9 month

Dividend Rate

4.55%

APY**

4.65%

Term

12 month

Dividend Rate

4.55%

APY**

4.65%

Term

13 month Special

Dividend Rate

5.50%

APY**

5.65%

Term

18 month

Dividend Rate

3.80%

APY**

3.87%

Term

24 month

Dividend Rate

3.55%

APY**

3.61%

Term

36 month

Dividend Rate

3.30%

APY**

3.35%

Term

48 month

Dividend Rate

3.15%

APY**

3.20%

Term

60 month

Dividend Rate

3.15%

APY**

3.20%

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.

Find a branch

Join us

Become a DNCU member
Join Today
Stop by one of our branches
Find your closest branch
Call us

505-455-5228 or
(877) 818-3628 toll-free.