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Knowledge Base Article

IRA CD details

Delta Community Credit Union offers IRA CDs to complement our savings-based IRAs. When you plan for retirement it's nice to have options, and our IRA CD product is just one more way the credit union strives to bring you products and services that help you plan for the future.

Traditional and Roth IRA CDs offer the same great benefits as our savings-based IRAs, including:

  • No set-up, administrative or maintenance fees
  • An easy application process
  • Trained IRA specialists
  • An informative online IRA service center
  • A low $1,000 minimum investment

In addition, IRA CDs have fixed-terms of 12, 24, 36, or 60 months which allows you to lock in your rate for a fixed term. An IRA CD with a fixed term typically pays a higher annual percentage yield than a savings-based IRA with no fixed term. They are also federally insured by the National Credit Union Administration (NCUA) for up to $250,000.

Dividend Rates

To open an IRA CD or learn more see our IRA CD page.