IRA Certificate Rates
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IRA Certificate Rates
| Account Type | Minimum Balance To Earn Dividends | Dividend Rate | Annual Percentage Yield (APY)* |
|---|---|---|---|
| 6-Month | $500 | 1.785% | 1.80% |
| 12-Month | $500 | 1.933% | 1.95% |
| 24-Month | $500 | 1.687% | 1.70% |
| 36-Month | $500 | 1.687% | 1.70% |
| 48-Month | $500 | 1.687% | 1.70% |
| 60-Month | $500 | 1.687% | 1.70% |
Rates current as of January 1, 2026. Rates subject to change without notice.
Resources from University Credit Union
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Giving our University Communities a financial advantage
University Credit Union offers membership to employees, students and alumni of UCLA, Pepperdine University, Loyola Marymount University, Santa Clara University, Saint Mary's College, UC Irvine, UC Davis, UC San Diego, Georgia Tech, University of Texas at Arlington, Abilene Christian University, Mount St. Mary's University, Chabot College and Las Positas College, West Coast Conference Universities, Western Athletic Conference Universities, and other universities throughout California. UCU offers a variety of products and services including checking accounts, credit cards, home mortgages, auto loans, personal loans, commercial loans, insurance, investments, as well as digital banking.
University Credit Union offers membership to employees, students and alumni of UCLA, Pepperdine University, Loyola Marymount University, Santa Clara University, Saint Mary's College, UC Irvine, UC Davis, UC San Diego, Georgia Tech, University of Texas at Arlington, Abilene Christian University, Mount St. Mary's University, Chabot College and Las Positas College, West Coast Conference Universities, Western Athletic Conference Universities, and other universities throughout California. UCU offers a variety of products and services including checking accounts, credit cards, home mortgages, auto loans, personal loans, commercial loans, insurance, investments, as well as digital banking.
*APY = Annual Percentage Yield.
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