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Personal > IRA Savings and Certificates

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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

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

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 June 1, 2022. 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

0.150%

APY**

0.15%

Term

6 month

Dividend Rate

0.250%

APY**

0.25%

Term

9 month

Dividend Rate

0.349%

APY**

0.35%

Term

12 month

Dividend Rate

0.747%

APY**

0.75%

Term

18 month

Dividend Rate

0.797%

APY**

0.80%

Term

24 month

Dividend Rate

0.995%

APY**

1.00%

Term

30 month special

Dividend Rate

1.243%

APY**

1.25%

Term

36 month

Dividend Rate

1.094%

APY**

1.10%

Term

48 month

Dividend Rate

1.144%

APY**

1.15%

Term

60 month

Dividend Rate

1.193%

APY**

1.20%

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 June 1, 2022. 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

0.200%

APY**

0.20%

Term

6 month

Dividend Rate

0.300%

APY**

0.30%

Term

9 month

Dividend Rate

0.399%

APY**

0.40%

Term

12 month

Dividend Rate

0.797%

APY**

0.80%

Term

18 month

Dividend Rate

0.847%

APY**

0.85%

Term

24 month

Dividend Rate

1.045%

APY**

1.05%

Term

30 month special

Dividend Rate

1.292%

APY**

1.30%

Term

36 month

Dividend Rate

1.144%

APY**

1.15%

Term

48 month

Dividend Rate

1.193%

APY**

1.20%

Term

60 month

Dividend Rate

1.243%

APY**

1.25%

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 June 1, 2022. 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

0.250%

APY**

0.25%

Term

6 month

Dividend Rate

0.349%

APY**

0.35%

Term

9 month

Dividend Rate

0.449%

APY**

0.45%

Term

12 month

Dividend Rate

0.847%

APY**

0.85%

Term

18 month

Dividend Rate

0.896%

APY**

0.90%

Term

24 month

Dividend Rate

1.094%

APY**

1.10%

Term

30 month special

Dividend Rate

1.342%

APY**

1.35%

Term

36 month

Dividend Rate

1.193%

APY**

1.20%

Term

48 month

Dividend Rate

1.243%

APY**

1.25%

Term

60 month

Dividend Rate

1.292%

APY**

1.30%

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 now
Stop by one of our branches
Find your closest branch
Call us

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