Retirement Account

Retirement Account (IRA) Certificates of Deposit (CD) Rates (also available as Roth type)

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Account Type Dividend Rate (interest) Base APY* Advantage Plus Rewards APY**
IRA CD 60-Month
2.227% 2.25% 2.50%
IRA CD 48-Month
1.884% 1.90% 2.15%
IRA CD 36-Month
1.687% 1.70% 1.95%
IRA CD 24-Month
1.243% 1.25% 1.50%
IRA CD 12-Month
1.094% 1.10% 1.35%

IRA CD 7-Month Promo***

5.223% 5.35%

IRA CD 6-Month
0.896% 0.90% 1.15%
IRA CD 3-Month
0.698% 0.70% 0.95%
*Annual Percentage Yield is based on an assumption that dividends will remain in that account until maturity. A withdrawal will reduce earnings. $500 minimum balance.
**Advantage Plus CD Rate Premium = 0.25% APY on new CDs (excluding promotional and EZ Saver CDs); will be applied for the full term of the CD held. See certificate for details. Subject to penalty for early withdrawal. All rates and promotional offers associated with Advantage Plus are subject to change at any time.
*** Promotional rate effective January 22, 2024, and is subject to change at any time. 7-month promo rate terms to revert to non-promo 6-month terms upon maturity. No Advantage Plus Rewards incentive may be applied. See certificate for details. Subject to penalty for early withdrawal. See adviacu.org/7month for details.