IRA Share Certificate Rates

IRA Share Certificates

Rates effective 09/01/2017
Term Rate APY
6 months 0.80% 0.80%
12 months 1.29% 1.30%
18 months 1.34% 1.35%
24 months 1.54% 1.55%
30 months 1.64% 1.65%
36 months 1.79% 1.80%
48 months 2.03% 2.05%
60 months 2.52% 2.55%
*APY=Annual Percentage Yield.  Rates are variable and may change after the account is opened.  Fees may reduce earnings.  The minimum opening balance for an IRA Certificate is $500.  You may incur a penalty should you choose to withdraw your money before the completion of the term.

IRA Bump Share Certificates

Rates effective 09/01/2017
Term Rate APY
6 months 0.75% 0.75%
12 months 1.24% 1.25%
18 months 1.29% 1.30%
24 months 1.49% 1.50%
30 months 1.59% 1.60%
36 months 1.74% 1.75%
48 months 1.98% 2.00%
60 months 2.47% 2.50%
*APY=Annual Percentage Yield. Fees may reduce earnings. The minimum balance for a IRA Bump Share Certificate is $500. You will incur a penalty should you choose to withdraw your money before the completion of the term. Rate and bump cannot be applied to previously opened term deposits. Rate increase (bump) must be initiated by member during the term of the deposit. UFCU will not automatically increase the rate on the account and is not responsible for notifying members of rate fluctuations. Bump option can be applied only once during the term. Bump option pertains to the prevailing UFCU term deposit rate and will be in effect for the remainder of the term only. New dividend rate will not be applied retroactively. Offer subject to change. Not available for financial institutions or other institutional investors.

IRA Accumulator Account

Rates effective 09/01/2017
Balance Rate APY
Less than $4,999 0.25% 0.25%
$5,000 - $9,999 0.30% 0.30%
$10,000 - $19,999 0.30% 0.30%
$20,000 - $49,999 0.35% 0.35%
$50,000 - $99,999 0.40% 0.40%
$100,000 - $149,999 0.45% 0.45%
$150,000 - $499,999 0.50% 0.50%
$500,000+ 0.55% 0.55%
*APY=Annual Percentage Yield. Rates are variable and may change after the account is opened. Fees may reduce earnings.

Educate Yourself: Wiki University

Temp-Money Management.jpg

Managing Your Money

Money management is the process of knowing where you are spending your money today...

Read More >
WikiU-Financial-Education-WSquare.png

Ten Steps to Financial Success

Being financially successful means you are in control of your money instead of...

Read More >

*Crimson Rewards Visa: Visit our Visa Rewards site to view the awards catalog or to learn more about the program rules and details.

*Certificate Accounts: You may incur a penalty on dividends should you choose to withdraw your money before the completion of the term.

Not a member of University Credit Union yet? Here are some reasons to join:

Member-owned - We’re owned by our members, so our only purpose is to serve you

Local to Utah - We care about, serve in, and invest in our local community

Loyal to You - The decisions we make are to serve you, our members, not a for-profit board

Become a Member