Earn higher dividends with an individual retirement account certificate of deposit at Credit Union of America. This tax-advantaged¹ retirement account is the perfect home for your investments.

IRA Certificates $500 Minimum to Open

Account	Nominal Rate/APY*	Dividends Paid
1 Year	2.96% / 3.00%	Monthly
2 Year	3.15% / 3.20%	Monthly
3 Year	3.44% / 3.50%	Monthly
4 Year	3.20% / 3.25%	Monthly
5 Year	3.44% / 3.50%	Monthly

Add-On/Bump-Up IRA Certificates

Account	Min. to Open	Nominal Rate/APY*
1 Year Add-On**	$100.00	2.96% / 3.00%
30-Month Bump***	$2,500.00	2.96% / 3.00%

Certificate of Deposit Rates Effective 3/28/23

*APY = Annual Percentage Yields listed are subject to change without notice. Minimum deposits may be required. Penalties may apply for early withdrawal. Fees may reduce earnings. Membership required. Funds in excess of $250,000 may be discounted and/or require special approval.

**Dividends paid monthly. $10.00 minimum to add-on.

***Eligible for one rate bump to the 24 month rate during the term.

Special IRA Certificates

Account	Min. to Open	Nominal Rate/APY*
11-Month Special**	$500.00	5.37% / 5.50%

Certificate of Deposit Rates Effective 9/5/23

**Renews to 12-month at maturity.

IRA products can only be opened in branch.

^*APY = Annual Percentage Yields listed are subject to change without notice. Minimum deposits may be required. Penalties may apply for early withdrawal. Fees may reduce earnings. Membership required. Funds in excess of $250,000 may be discounted and/or require special approval.

---

Product Details

• 12 to 60 month terms available
• Deposits over $1,000,000 require approval
• Dividends are paid monthly
• Tax benefits

---

Ready to get started?

Visit one of our 14 locations to open today!

---

For complete details on IRA limits and requirements, please consult with a CUA representative.

¹Consult with a tax advisor.