Rates for a Relaxed Retirement

Easy to open and simple to manage, UFCU Individual Retirement Accounts (IRAs) grow your retirement nest egg by continually earning you compounded dividends and saving you money on taxes. All UFCU IRAs are federally insured to a maximum of $250,000, so you can feel secure in your savings.

Fixed-Rate IRA

6 Month3.928%4.00%
12 Month4.410%4.50%
24 Month4.410%4.50%
24 Month Step-Up4.226%4.35%
36 Month4.266%4.35%
48 Month3.445%3.50%
60 Month3.203%3.25%


Effective Date: April 5, 2024

Variable Rate IRA

Term Rate APY
Variable 0.010% 0.01%

Effective Date: October 1, 2021

Cash In on Tax-Deferred Contributions

A traditional IRA allows you to defer taxes on your IRA contributions until retirement, when you withdraw your funds. Your contributions are still tax deductible in the tax year during which they are made, so you’ll benefit from saving every step of the way.

Talk to your financial representative to learn more.

Pay Today, Withdraw Worry-Free

If you expect to be in a higher tax bracket when you retire, consider a UFCU Roth IRA. A Roth IRA is a non-deductible account that allows you to pay taxes on your contributions now, so you can withdraw your funds free and clear (for qualifying distribution reasons) after a five-year holding period. And deposits are allowed at any time, without required distribution based on IRA age.

Log in, contact us, or stop by any location to open an account.

Boost Your Retirement Reserves

A UFCU Step-Up Certificate allows you to snag future rate increases on a one-time basis during your certificate term — and increase your original principal amount at the same time.

Learn More

APY = Annual Percentage Yield

* Dividends are calculated by the daily balance method. Dividends are based on UFCU's earnings at the end of a dividend period, and cannot be guaranteed.

How much should you save?

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Savings Before Retirement Results Table Print
Total Interest
Total Savings
Savings After Retirement Results Table Print
Total Interest
Total Income
Savings Balance

This information is provided for illustrative purposes only. Rates are subject to change, and terms may vary based on your individual circumstances.

Savings for Life
Earn 3.25–4.35% APY