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IRA Certificates

IRA Certificate Rates


The rates quoted below are effective as of 9/2/2010 and are subject to change without notice.



$20,000 Minimum Opening Balance

Term Dividend Rate Annual Percentage Yield (APY)
30 Day 0.30% 0.30%
03 - 05 Month 0.45% 0.45%
06 - 11 Month 0.65% 0.65%
12 - 17 Month* 0.90% 0.90%
18 - 23 Month 1.04% 1.05%
24 - 35 Month 1.64% 1.65%
36 - 47 Month 2.03% 2.05%
48 - 59 Month 2.37% 2.40%
60 Month 2.66% 2.70%

IRA = Individual Retirement Account
Maximum annual contributions and contribution periods are determined by IRS regulations.
* Rollovers or transfers from another plan or institution may be added to the 12-17 month IRA Share Certificate at any time.

Penalty for early withdrawal. Please see SchoolsFirst FCU's Disclosure & Agreement of Terms & Conditions brochure for specific details about any account.






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