Credit Union IRA Rates
Compare current IRA CD rates and IRA Savings rates at Advia Credit Union. Our retirement accounts offer competitive APYs with flexible terms, and Advantage Plus Rewards members can earn even more. Rates are updated regularly, so check back often.
IRA CD Rates
Lock in a guaranteed return on your retirement savings with an IRA certificate of deposit. Compare current IRA CD rates and APYs across all available terms below.
| Account Type | Dividend Rate (interest) | Base APY* | Advantage Plus Rewards APY** |
|---|---|---|---|
| IRA CD 60-Month | 2.716% | 2.75% | 3.01% |
| IRA CD 48-Month | 2.716% | 2.75% | 3.01% |
| IRA CD 36-Month | 2.472% | 2.50% | 2.75% |
| IRA CD 24-Month | 1.982% | 2.00% | 2.25% |
| IRA CD 21-Month Promo*** | 3.929% | 4.00% | 4.26% |
| IRA CD 12-Month | 1.736% | 1.75% | 2.00% |
| IRA CD 7-Month Promo*** | 4.169% | 4.25% | 4.51% |
| IRA CD 6-Month | 1.490% | 1.50% | 1.75% |
| IRA CD 3-Month | 1.292% | 1.30% | 1.55% |
IRA Savings Rates
Our IRA Share Savings account has no minimum balance to open and earns interest on balances of $500 or more. Interest is paid and compounded quarterly, and both Traditional and Roth IRA options are available.
| Account Type | APY* |
|---|---|
| IRA Share Savings | 0.40% |
Frequently Asked Questions
IRA rates at Advia Credit Union are reviewed and updated regularly. The rates shown on this page are accurate as of the date listed in the disclaimers below. Check back often or contact our team to confirm the latest rates before opening an account.
An IRA Savings Account earns a variable rate that can change over time. An IRA CD earns a fixed rate that's locked in for the full term you select. IRA CDs typically offer higher APYs in exchange for keeping your funds deposited for a set period.
Yes. Advantage Plus Rewards members earn a 0.25% APR premium on new IRA CDs. This rate boost applies for the full term of the CD. Visit our Advantage Plus page to see if you qualify.
Yes. All IRA CD rates and the IRA Savings rate shown on this page apply to both Traditional and Roth IRA accounts at Advia.
The minimum deposit for an IRA CD at Advia is $500. The IRA Share Savings account has no minimum balance requirement to open, though you'll need a balance of $500 or more to earn interest.
When your IRA CD reaches maturity, you'll have a grace period to renew at the current rate, change terms, or withdraw your funds. Promotional rate CDs (7-month and 21-month) will renew at the standard non-promotional term rate upon maturity.
Have questions about our IRA rates? We're here to help.
*Annual Percentage Yield (APY) is accurate as of 06/16/2026 and is based on an assumption that dividends will remain in that account until maturity. A withdrawal will reduce earnings. Subject to penalty for early withdrawal. $500 minimum balance.
**Advantage Plus CD Rate Premium = 0.25% APR on new CDs (excluding EZ Saver CDs); will be applied for the full term of the CD held. See certificate for details. All rates and promotional offers associated with Advantage Plus are subject to change at any time. See Advantage Plus Rewards page for qualifications.
*** Promotional rate effective 06/16/2026, and is subject to change at any time. 7 and 21-month promo rate terms to revert to non-promo 6 and 24-month terms respectfully upon maturity. See certificate for details.
All offers and rates are subject to change at any time. Restrictions apply.