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 0.349% 0.350%
12-Month $500 0.449% 0.450%
24-Month $500 0.648% 0.650%
36-Month $500 0.847% 0.850%
48-Month $500 0.946% 0.950%
60-Month $500 1.045% 1.050%