Save for short- or long-term goals with a competitive and guaranteed dividend rate with a UCU IRA Certificate


At UCU, you have multiple options and you’ll always know exactly what dividend rate you’ll receive during the term.

IRA Certificates*

Account Type Minimum Balance
to Earn Dividends		 Dividend Rate Annual Percentage Yield (APY)
6-Month $500 1.490% 1.500%
12-Month $500 1.834% 1.850%
24-Month $500 1.588% 1.600%
36-Month $500 1.588% 1.600%
48-Month $500 1.588% 1.600%
60-Month $500 1.588% 1.600%

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