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Individual Retirement Accounts (IRAs)

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Choose from Traditional IRA and Roth IRA options!

Your Individual Retirement Account can include both savings and certificate options and you can contribute to your account through payroll deduction.

For more information, stop by any ISU Credit Union location or give us a call. Let's talk IRAs!

Rates

Table data for Share/IRA Certificates
 Rates effective 08-16-2018
Deposit Amount Term Compounded/ Paid Annual Percentage Yield (APY)1 Alert Me
$500 + 3 Months Monthly/Monthly 0.15% Receive a notification when this rate changes
6 Months 0.40% Receive a notification when this rate changes
12 Months 0.70% Receive a notification when this rate changes
18 Months 1.00% Receive a notification when this rate changes
24 Months2 2.40%2 Receive a notification when this rate changes
30 Months 1.35% Receive a notification when this rate changes
36 Months 1.50% Receive a notification when this rate changes
48 Months 1.75% Receive a notification when this rate changes
60 Months 2.15% Receive a notification when this rate changes
Regulations prohibit payment in excess of earnings. Penalty required for early withdrawal. All rates are subject to change without notice. Fees could reduce the earnings on the accounts. ISU Credit Union attempts to update rates immediately whenever a change occurs; however, the listed rates are not guaranteed accurate.
  • 1APY = Annual Percentage Yield
  • 2*Annual Percentage Yield (APY) effective 7/02/2018 through 8/31/2018. 2.40% APY refers to the 24-month CD term on balances of $500 or more. Rates subject to change. Other terms and rates available. No institutional deposits, new money is required. Penalty for early withdrawal. Offer available on personal accounts only. Offer not available with any other rate increases or promotional rates. Certain membership qualifications may apply.

Table data for Savings Rates
 Rates effective 08-16-2018
Minimum Balance Compounded / Paid Annual Percentage Yield (APY)1 Alert Me
Daily Share $25+ Monthly .05% Receive a notification when this rate changes
Bengal Share $25+ Monthly .05% Receive a notification when this rate changes
Medical Savings $25+ Monthly .05% Receive a notification when this rate changes
Christmas Club $25+ Monthly .05% Receive a notification when this rate changes
IRA/Coverdell Savings $25+ Monthly 0.25% Receive a notification when this rate changes
Share rates effective 7/01/2017 Money Market Rates effective 8/01/2018.
The dividend rate and annual percentage yield may change at any time, as determined by the ISU Credit Union Board of Directors. A list of terms and conditions which apply to the above accounts is available at the Credit Union. Fees could reduce the earnings on the accounts. ISU Credit Union attempts to update rates immediately whenever a change occurs; however, the listed rates are not guaranteed accurate.
  • 1APY = Annual Percentage Yield

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