Individual Retirement Accounts (IRAs)

We have both Traditional and Roth IRAs with many investment options to suit your individual needs. 
For advice on how each type of account would benefit your specific situation, please consult your tax advisor. 
When you are ready to open an IRA, please contact us!

Your IRA is now insured separately by NCUA up to $250,000.

Traditional IRA Savings - Anticipated 0.150% APY for 2nd quarter, 2020.

Account Dividend Rate* Annual Percentage Yield (APY)*** Minimum Balance Requirements**
12 Month Term Share Certificate 0.650% 0.652% $500
24 Month Term Share Certificate 0.750% 0.753% $500
36 Month Term Share Certificate 0.850%  0.853%  $500 
Roth or Traditional IRA Savings 0.150% 0.150% $500

 *The rates appearing in this disclosure are the prospective rates the Credit Union anticipates will be paid for the current dividend period.  Please refer to the Truth In Savings Account Disclosures for more information.
**Minimum balance required to open the Account.  You must maintain the minimum opening balance to maintain the Account and avoid a fee.  There is a $25 annual fee if balance falls below $500 minimum.  Fee will be accessed in April of each year if the balance falls below $500.
***You must maintain the disclosed average daily balance in your account to obtain the Annual Percentage Yield.  The dividend rate corresponding to the average daily balance attained for the period will be paid on the entire balance of your account.




©Copyright 2015 Irving City Employee Federal Credit Union is not liable for content or availability of linked sites. Privacy Policy | Disclosures | Contact Us | Home