Skip to main content

Traditional & ROTH IRA Rates

Rates last updated 11-15-2022

IRA Accounts** Traditional & ROTH 
Type Rate APY* Minimum Deposit
IRA Shares  .10% .10% $0
HSA Checking .10% .10% $500
12 Month IRA Certificates 1.05% 1.05% $2,000
24 Month IRA Certificates 1.20% 1.20% $2,000
36 Month IRA Certificates 1.40% 1.40% $2,000
48 Month IRA Certificates 1.45% 1.45% $2,000
60 Month IRA Certificates 1.70% 1.70% $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.