IRA Savings & Certificate Rates

Retirement will be here before you know it, so now’s the time to start saving. An IRA makes it easy.

IRA Savings

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Tier	Dividend	APY¹
Under $50	None Paid	None Paid
$50 or more	0.05%	0.05%

3 Month IRA Certificate

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Tier	Dividend Rate	APY¹
$1,000 - $9,999.99	0.10%	0.10%
$10,000 - $49,999.99	0.20%	0.20%
$50,000 - $89,999.99	0.25%	0.25%
$90,000 or more	0.25%	0.25%

6 Month IRA Certificate

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Tier	Dividend Rate	APY¹
$1,000 - $9,999.99	0.20%	0.20%
$10,000 - $49,999.99	0.30%	0.30%
$50,000 - $89,999.99	0.35%	0.35%
$90,000 or more	0.35%	0.35%

12 Month IRA Certificate

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Tier	Dividend Rate	APR¹
$1,000 - $9,999.99	0.30%	0.30%
$10,000 - $49,999.99	0.40%	0.40%
$50,000 - $89,999.99	0.45%	0.45%
$90,000 or more	0.45%	0.45%

24 Month IRA Certificate

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Tier	Dividend Rate	APY¹
$1,000 - $9,999.99	0.50%	0.50%
$10,000 - $49,999.99	0.60%	0.60%
$50,000 - $89,999.99	0.65%	0.65%
$90,000 or more	0.65%	0.65%

36 Month IRA Certificate

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Tier	Dividend Rate	APY¹
$1,000 - $9,999.99	0.65%	0.65%
$10,000 - $49,999.99	0.75%	0.75%
$50,000 - $89,999.99	0.80%	0.80%
$90,000 or more	0.80%	0.80%

48 Month IRA Certificate

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Tier	Dividend Rate	APY¹
$1,000 - $9,999.99	0.75%	0.75%
$10,000 - $49,999.99	2.47%	2.50%
$50,000 - $89,999.99	2.47%	2.50%
$90,000 or more	2.47%	2.50%

60 Month IRA Certificate

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Tier	Dividend Rate	APY¹
$1,000 - $9,999.99	1.00%	1.00%
$10,000 - $49,999.99	2.62%	2.65%
$50,000 - $89,999.99	2.62%	2.65%
$90,000 or more	2.62%	2.65%

18 Month Bump Rate IRA Certificate

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Tier	Dividend Rate	APY¹
$1,000 - $9,999.99	0.40%	0.40%
$10,000 - $49,999.99	0.50%	0.50%
$50,000 - $89,999.99	0.55%	0.55%
$90,000 or more	0.55%	0.55%

¹APY = Annual Percentage Yield. Dividend rates and APYs are accurate as of 04/30/2026. The Annual Percentage Yield assumes dividends will remain in the account until maturity. Penalty for early withdrawal applies to all certificates unless otherwise indicated. Dividend rates and APYs are accurate as of the Rates Effective date, above. Terms are subject to change without notice.

PAYMENT OF DIVIDENDS: The frequency and conditions upon which dividends are paid on all accounts are in accordance with the bylaws of this credit union, California law, and the Truth-in-Savings Act and Regulations. Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period. For all dividend-bearing accounts, dividends will be compounded monthly and will be credited monthly. The dividend period is monthly; for example, the beginning date of the first dividend period of the calendar year is January 1 and the ending date of such dividend period is January 31. All other dividend periods follow this same pattern of dates. The dividend declaration date follows the ending date of a dividend period, and for the example is January 31. Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Dividends will begin to accrue on the business day you deposit non-cash items (e.g., checks) to your account if deposited before the close of business.

EARLY WITHDRAWAL PENALTIES: A penalty equal to 90 days’ dividends on the amount withdrawn for certificates with an original maturity of six months or less will be imposed. A penalty equal to 180 days’ dividends on the amount withdrawn for certificates with an original maturity greater than six months to 24 months will be imposed. A penalty equal to 365 days’ dividends on the amount withdrawn for certificates with an original maturity greater than 24 months will be imposed.

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Call: (877) 495-1600

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