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.
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University Credit Union offers membership to employees, students, alumni, and direct family of UCLA, Pepperdine University, Loyola Marymount University, Saint Mary's College, UC Davis, UC San Diego, Georgia Tech, 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. Click here for full eligibility and membership options.
University Credit Union offers membership to employees, students, alumni, and direct family of UCLA, Pepperdine University, Loyola Marymount University, Saint Mary's College, UC Davis, UC San Diego, Georgia Tech, 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. Click here for full eligibility and membership options.
*APY = Annual Percentage Yield. IRA Certificates are available to members who establish and maintain an eligible Individual Retirement Account (IRA) with UCU. The minimum opening deposit is $500. Dividend rates and Annual Percentage Yields (APYs) are disclosed on the current Rate Schedule and are subject to the terms of the certificate selected. The applicable dividend rate and APY will remain fixed for the term of the certificate unless otherwise disclosed. At maturity, the certificate will automatically renew according to the terms disclosed at account opening unless otherwise notified by UCU. A penalty may be imposed for withdrawals made before maturity and may reduce earnings and principal. Fees may reduce earnings. Withdrawals and distributions from IRA accounts may be subject to federal tax consequences and IRS penalties. Members should consult a qualified tax advisor regarding the tax treatment of IRA contributions and distributions. Additional terms, conditions, fees, and account limitations are contained in the Membership and Account Agreement, Truth in Savings Disclosure, Fee Schedule, Rate Schedule, and IRA Custodial Agreement, which are available upon request.
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