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IRA Certificates

IRA Certificate Rates


The rates quoted below are effective as of 11/20/2009 and are subject to change without notice.



$50,000 Minimum Opening Balance

Term Dividend Rate Annual Percentage Yield (APY)
30 Day 0.85% 0.85%
03 - 05 Month 1.09% 1.10%
06 - 11 Month 1.44% 1.45%
12 - 17 Month* 1.59% 1.60%
18 - 23 Month 1.69% 1.70%
24 - 29 Month 2.32% 2.35%
30 - 47 Month 2.57% 2.60%
48 - 59 Month 3.05% 3.10%
60 Month 3.30% 3.35%

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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