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Traditional & ROTH IRA Rates

Rates last updated 12-31-18

IRA Accounts**
Type Rate APY* Minimum Deposit
IRA Shares .05% .05% $0-$2,499.99
IRA Shares .05% .05% $2,500-$9,999.99
IRA Shares .05% .05% $10,000-$49,999.99
IRA Shares .15% .15% $50,000 & Up
12 Month IRA Certificates .75% .75% $2,000
24 Month IRA Certificates 1.00% 1.00% $2,000
36 Month IRA Certificates 1.30% 1.31% $2,000
48 Month IRA Certificates 1.50% 1.51% $2,000
60 Month IRA Certificates 2.00% 2.02% $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.