IRA Certificate Rates
Save with guaranteed rates.
Click on Close
Virtual appointments are unavailable today. Our teams are working diligently to resolve this issue and we apologize for any inconvenience.
- MembershipBack to main menu
Membership
- Eligibility
- Benefits
- University Communities Overview University of California, Los Angeles (UCLA) Loyola Marymount University (LMU) Mount Saint Mary's University (MSMU) Pepperdine University Santa Clara University Saint Mary's College University of California, Irvine University of California, Davis University of California San Diego Georgia Tech Chabot College Las Positas College University of Texas at Arlington Western Athletic Conference
- Student Clubs & Organizations
- International Students
- Family Memberships
- Fee Schedule
- Become a Member
- ResourcesBack to main menu
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*
*Rates effective as of April 9, 2024 and subject to change without notice. Penalty may be imposed for early withdrawal. Fees may reduce earnings.
IRA Certificate Rates
| Account Type | Minimum Balance To Earn Dividends | Dividend Rate | Annual Percentage Yield (APY*) |
|---|---|---|---|
| 6-Month | $500 | 1.687% | 1.700% |
| 12-Month | $500 | 1.884% | 1.900% |
| 24-Month | $500 | 1.638% | 1.650% |
| 36-Month | $500 | 1.638% | 1.650% |
| 48-Month | $500 | 1.638% | 1.650% |
| 60-Month | $500 | 1.638% | 1.650% |
*APY = Annual Percentage Yield. Rates subject to change without notice.
Resources from University Credit Union
Monthly Budget Guide
Having a budget for your finances can help ensure you are able to afford your next auto loan.
Search for the right vehicle
Car buying just got easier with our auto buying services. Use one of our four services to make your next car purchase quick and easy.
Get financial counseling
Take advantage of this service to help you achieve your financial goals.
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.
Members have also saved money with
Score Enhancement
Need a boost? Our online tools help you bank with your brain.
Learn More about Score Enhancement Find a location near you
You're covered from coast to coast with 30,000 surcharge free CO-OP ATMs and 5,000+ shared branches
Leaving University Credit Union Website
You are leaving ucu.org. The site you are about to visit is not operated by UCU. Please refer to the Terms of Use and Privacy Policy for this outside website as they may differ from UCU’s. UCU does not endorse and assumes no liability for any alternate website’s content and does not represent either the third-party or the member if the two enter into a transaction.