Start planning for your retirement today by opening an IRA account at your Credit Union. With outstanding rates and funds that grow tax deferred year after year, an IRA account is an important part of your long-term savings portfolio. A Traditional IRA offers tax-deferred earnings and the possibility of tax deductible contributions. A Roth IRA is funded by non-deductible contributions but gives owners the opportunity for tax-free withdrawals. An Education IRA enables parents and others to deposit $2000 per year to be used for educational purposes. Earnings grow tax-free if you meet the income requirements.


Account Type Amount Current APY
Regular Shares $0 – $99.99
$100 +
HolidayAccounts 0.15%

Rates as of 3/1/2021, but are subject to change.

Regular and IRA Share Certificates

Share Certificate Rate Schedule

The rates and terms applicable to your account(s) at FFCU are provided in this schedule. We may offer other rates for these accounts from time to time. All accounts listed are share accounts. Last Dividend Effective Date: 3/1/2021

Share Certificate IRA Share Certificate
Minimum Opening Deposit $2500.00 $5.00
Dividends Compounded Monthly Monthly
Dividends Credited Monthly Monthly
Dividend Period Monthly Monthly
Term – 1 Year APY 0.2% 0.25%
Term – 2 Years APY 0.4% 0.45%
Term – 3 Years APY .6% .65%
Additional Deposits Not Allowed Unlimited
Withdrawals Principal Only and Early Withdrawal Penalties Apply Allowed
Renewable Automatic Automatic

*The rates appearing in this schedule are accurate and effective as of the Dividend Declaration Date listed. This rate may change after the account is opened, and in some cases, fees could reduce the earnings on certain accounts. If you have any questions or require current rate information, please call FFCU.