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Traditional & ROTH IRA Rates

Rates last updated 10-29-2020

IRA Accounts**
Type Rate APY* Minimum Deposit
IRA Shares .03% .03% $0-$2,499.99
IRA Shares .03% .03% $2,500-$9,999.99
IRA Shares .03% .03% $10,000-$49,999.99
IRA Shares .03% .03%-.03% $50,000 & Up
12 Month IRA Certificates .20% .20% $2,000
24 Month IRA Certificates .35% .35% $2,000
36 Month IRA Certificates .50% .50% $2,000
48 Month IRA Certificates .60% .60% $2,000
60 Month IRA Certificates .85% .85% $2,000

*APY = Annual Percentage Yield.
**For early withdrawal on certificate accounts, certificates with a maturity of 0-12 months, penalty is 90 days of dividends. Certificates with a maturity of 13-35 months, penalty is 180 days dividends. Certificates with a maturity of 36 months and longer, penalty is 365 days dividends. The penalty is calculated as a forfeiture of past of the dividends that have been or would be earned on the account.
IRA Certificates are not allowed any add ons, a new Certificate would need to be opened. 


These Rates are current as of the above date and are subject to change on a weekly basis. It is the intention of NuVista Federal Credit Union to pay these dividends, however, they are subject to change and cannot be guaranteed.