Skip to main content

Traditional & ROTH IRA Rates

Rates last updated 4-4-2023

IRA Accounts** Traditional & ROTH 
Type Rate APY* Minimum Deposit
IRA Shares  .15% .15% $0
HSA Checking .10% .10% $500
12 Month IRA Certificates 4.00% 4.07% $2,000
24 Month IRA Certificates 2.50% 2.53% $2,000
36 Month IRA Certificates 1.75% 1.76% $2,000
48 Month IRA Certificates 1.55% 1.56% $2,000
60 Month IRA Certificates 1.50% 1.51% $2,000

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.

*APY = Annual Percentage Yield

**For early withdrawals on IRA Certificate Accounts:

IRA Certificates with a maturity of 12 months or less, the penalty is 90 days of dividends.

IRA Certificates with a maturity of 13-35 months, the penalty is 180 days of dividends.

IRA Certificates with a maturity of 36 months or longer, the penalty is 365 days of dividends.

The penalty is calculated as a forfeiture 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.