
Individual Retirement Accounts (IRAs)
A secure financial future starts today.
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
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
- Insured by the NCUA to at least $250,000
Current IRA Certificate Rates
Term |
Dividend Rate |
APY** |
---|---|---|
DISCLOSURES $1,000+ Minimum Average Daily Balance to obtain APY. Minimum Balance to Open of $1,000. Deposit Rates are current as of March 1, 2021. 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 0.10% |
APY** 0.10% |
Term 6 month |
Dividend Rate 0.15% |
APY** 0.15% |
Term 9 month |
Dividend Rate 0.20% |
APY** 0.20% |
Term 12 month |
Dividend Rate 0.25% |
APY** 0.25% |
Term 18 month |
Dividend Rate 0.30% |
APY** 0.30% |
Term 24 month |
Dividend Rate 0.45% |
APY** 0.45% |
Term 36 month |
Dividend Rate 0.50% |
APY** 0.50% |
Term 48 month |
Dividend Rate 0.55% |
APY** 0.55% |
Term |
Dividend Rate |
APY** |
---|---|---|
DISCLOSURES $10,000+ Minimum Average Daily Balance to obtain APY. Minimum Balance to Open of $10,000. Deposit Rates are current as of March 1, 2021. 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 0.15% |
APY** 0.15% |
Term 6 month |
Dividend Rate 0.20% |
APY** 0.20% |
Term 9 month |
Dividend Rate 0.25% |
APY** 0.25% |
Term 12 month |
Dividend Rate 0.30% |
APY** 0.30% |
Term 18 month |
Dividend Rate 0.35% |
APY** 0.35% |
Term 24 month |
Dividend Rate 0.50% |
APY** 0.50% |
Term 36 month |
Dividend Rate 0.55% |
APY** 0.55% |
Term 48 month |
Dividend Rate 0.60% |
APY** 0.60% |
Term |
Dividend Rate |
APY** |
---|---|---|
DISCLOSURES $100,000+ Minimum Average Daily Balance to obtain APY. Minimum Balance to Open of $100,000. Deposit Rates are current as of March 1, 2021. 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 0.20% |
APY** 0.20% |
Term 6 month |
Dividend Rate 0.25% |
APY** 0.25% |
Term 9 month |
Dividend Rate 0.30% |
APY** 0.30% |
Term 12 month |
Dividend Rate 0.35% |
APY** 0.35% |
Term 18 month |
Dividend Rate 0.40% |
APY** 0.40% |
Term 24 month |
Dividend Rate 0.55% |
APY** 0.55% |
Term 36 month |
Dividend Rate 0.60% |
APY** 0.60% |
Term 48 month |
Dividend Rate 0.65% |
APY** 0.65% |
Learn more about Individual Retirement Accounts (IRAs)
Visit a Financial Service Advisor at any of our 6 branches, consult a tax advisor or call us at (877) 818-DNCU for more information and assistance.
Join us
505-455-5228 or
(877) 818-3628 toll-free.