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IRA Certificates

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 3.69% / 3.75% Monthly
2 Year 3.69% / 3.75% 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-On1 $100.00

3.69% / 3.75%
30-Month Bump2 $2,500.00 2.96% / 3.00%

Certificate of Deposit Rates Effective 11.21.24

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.

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

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

Special Certificates
Account Min. to Open Nominal Rate/APY**
13-Month Special1 $500.00 4.02% / 4.10%

**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.

1 Annual percentage yield valid on 13-month certificates of deposit and IRA certificates as of 04.22.25 with a minimum of $500. Deposits over $1,000,000 require approval. Consumer and business certificates renew to 12-month certificates at maturity. IRA certificates renew to 12-month certificates at maturity. Early withdrawal penalties may apply. Fees may reduce earnings. APY subject to change. Limited-time offer. Insured by NCUA.

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 15 locations to open today!

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

1 Consult with a tax advisor.