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IRA Rates

Rates, terms and conditions are subject to change without notice. Effective as of September 19, 2023.

Individual Retirement Accounts

IRA and Coverdell ESA - Share Accounts

Investment Compounding Minimum Deposit Minimum to Earn Dividends Dividend Rate APY*
Traditional IRA Quarterly $100 $100 0.1499% 0.15%
Roth IRA Quarterly $100 $100 0.1499% 0.15%
Coverdell Education Savings Account Quarterly $25 $100 0.1499% 0.15%


IRA and Coverdell ESA - Certificate Accounts


Term Compounding Minimum Deposit/Minimum to Earn Dividends Dividend Rate APY*
1 Year Quarterly $500 3.2111% 3.25%
2 Year Quarterly $500 3.6984% 3.75%
3 Year Quarterly $500 3.5524% 3.60%
4 Year Quarterly $500 3.4550% 3.50%
5 Year Quarterly $500 3.4062% 3.45%

*Annual Percentage Yield

An open IRA or Coverdell ESA Share Account is required to open an IRA or Coverdell ESA Certificate.

Penalty for early withdrawal applies. Fees may reduce earnings. Rates are variable.

UVA Community Credit Union reserves the right to end or modify this offer at any time without notice. This offer is also valid for Education Savings Certificates. IRA Certificate must have a $500 minimum opening and ongoing balance. Existing members can contribute up to $100,000 with current IRA funds held at the Credit Union per promotional certificate. Maximum deposit for each certificate is $200,000. Limit of one promotional certificate term per member. IRA Certificate will rollover at maturity into a 24-month term at the prevailing rate unless otherwise instructed. Early withdrawal penalties apply; 180 day dividend loss. There is a $25 IRA rollover fee if funds are transferred from the Credit Union. Other restrictions may apply. See the IRS (IRS.GOV) for annual IRA contribution limits.

Membership eligibility is required. Membership requires a minimum ongoing balance of $5 in a UVA Community Credit Union Share Savings Account and a IRA Share Savings Account. A one-time $5 membership fee may apply if not currently a UVA Community Credit Union member. Insured by NCUA.

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