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 6-Month
0.896% 0.90% 1.15%
IRA CD 3-Month
0.698% 0.70% 0.95%
* Annual Percentage Yield.
** Advantage Plus CD Rate Premium = 0.25% APY on new CDs opened (excluding promotional and EZ Saver CDs); will be applied for the full term of the CD held. Early CD withdrawal penalties may apply. See Certificate of Deposit for details. See adviacu.org/advantageplus for Advantage Plus qualifications. Fees may reduce earnings on account. Click here to review service charges that may apply. Minimum balance to open a Regular CD is $500; EZ-Saver CD is $50. Certificate of Deposit promotional rates and terms revert to non-promotional terms upon maturity. All offers and rates are subject to change at any time.