Personal > IRA Savings and Certificates

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
- 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

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

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 April 14, 2025. 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 3.50%	APY** 3.56%
Term 6 month	Dividend Rate 3.50%	APY** 3.56%
Term 9 month	Dividend Rate 3.50%	APY** 3.56%
Term 12 month	Dividend Rate 3.50%	APY** 3.56%
Term 18 month	Dividend Rate 3.35%	APY** 3.41%
Term 24 month	Dividend Rate 3.25%	APY** 3.30%
Term 36 month	Dividend Rate 3.20%	APY** 3.25%
Term 48 month	Dividend Rate 3.10%	APY** 3.15%
Term 60 month	Dividend Rate 3.10%	APY** 3.15%

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 April 14, 2025. 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 3.55%	APY** 3.61%
Term 6 month	Dividend Rate 3.55%	APY** 3.61%
Term 9 month	Dividend Rate 3.55%	APY** 3.61%
Term 12 month	Dividend Rate 3.55%	APY** 3.61%
Term 18 month	Dividend Rate 3.40%	APY** 3.46%
Term 24 month	Dividend Rate 3.30%	APY** 3.35%
Term 36 month	Dividend Rate 3.25%	APY** 3.30%
Term 48 month	Dividend Rate 3.15%	APY** 3.20%
Term 60 month	Dividend Rate 3.15%	APY** 3.20%

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 April 14, 2025. 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 3.60%	APY** 3.67%
Term 6 month	Dividend Rate 3.60%	APY** 3.67%
Term 9 month	Dividend Rate 3.60%	APY** 3.67%
Term 12 month	Dividend Rate 3.60%	APY** 3.67%
Term 18 month	Dividend Rate 3.45%	APY** 3.51%
Term 24 month	Dividend Rate 3.35%	APY** 3.41%
Term 36 month	Dividend Rate 3.30%	APY** 3.35%
Term 48 month	Dividend Rate 3.20%	APY** 3.25%
Term 60 month	Dividend Rate 3.20%	APY** 3.25%