IRA & Retirement
Investing in an Individual Retirement Account (IRA) provides flexibility for your changing financial needs. If you haven’t explored the advantage of planning early for your retirement, it’s time to take a look. Funds in all Idaho Central accounts are federally insured up to $250,000, and we pay great rates.
See RatesIRA Share Savings Account
| Balance | APY* | Interest Rate |
|---|---|---|
| 0 - 299 | 0.100% | 0.099% |
| 300 + | 0.200% | 0.199% |
IRA Money Market Savings Account
| Balance | APY* | Interest Rate |
|---|---|---|
| 0-2,499 | 0.100% | 0.099% |
| 2,500-24,999 | 0.200% | 0.199% |
| 25,000-49,999 | 0.250% | 0.249% |
| 50,000-99,999 | 0.300% | 0.299% |
| 100,000 + | 0.400% | 0.399% |
IRA Certificate of Deposit Account
| Term | APY* | Interest Rate | Initial Deposit |
|---|---|---|---|
| 6 Month Promo CD | 1.500% | 1.500% | 500 |
| 12 Month Promo CD | 2.000% | 1.985% | 500 |
| 24 Month Promo CD | 2.100% | 2.083% | 500 |
| 60 Month Promo CD | 2.300% | 2.280% | 500 |
| 3 Month CD | 0.150% | 0.150% | 500 |
| 6 Month CD | 0.200% | 0.200% | 500 |
| 1 Year CD | 0.250% | 0.249% | 500 |
| 18 Month CD | 0.300% | 0.299% | 500 |
| 2 Year CD | 0.350% | 0.349% | 500 |
| 3 Year CD | 0.750% | 0.747% | 500 |
| 4 Year CD | 0.950% | 0.946% | 500 |
| 5 Year CD | 1.050% | 1.045% | 500 |
A penalty may be imposed for early withdrawal. No institutional deposits. Fees may reduce earnings.
*APY - Annual Percentage Yield
Rates valid for Thursday, January 23, 2020.
The interest rate and annual percentage yield may change at any time, as determined by the credit union board of directors.
