Individual Retirement Accounts (IRA)

Features and Benefits	IRA Share Certificates (CD)	IRA Money Market
Recommended for members who want:	A higher APY locked in over a fixed term.	A tiered interest rate and easier access to retirement funds.
Minimum Opening Deposit	Most certificates require $500 to open. Please check each individual Certificate for specific details.	$2500+
No Monthly Maintenance Fees
Tiered Interest Rates based on Account Balance
Various Term Options to Maximize Earnings
	Schedule an Appointment	Schedule an Appointment

Term	Interest Rate	APY
12-Months	0.25%	0.25%
36-Months	0.40%	0.40%
60-Months	0.55%	0.55%

Rates effective as of September 29, 2023

Balance	Interest Rate	APY
Up to $2,500	0.01%	0.01%
$10,000-$24,999	0.05%	0.05%
$25,000-$49,999	0.10%	0.10%

Rates effective as of September 29, 2023

Northeast Credit Union does not provide tax, legal or accounting advice. This material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal or accounting advice. You should consult your own tax, legal and accounting advisors before engaging in any transaction.

Annual Percentage Yield (APY) is subject to change without notice.

Fees may reduce earnings. Interest rates for traditional share certificates and IRA share certificates are guaranteed from the time of purchase to maturity. They are subject to a penalty for early withdrawal. Please refer to your individual certificate for specific details, or look at our schedule of fees for details on fees and charges associated with IRA and Share Certificate Accounts.

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.

In addition, these accounts will also be insured up to an additional $125,000 by ESI, which means the combined total coverage for your accounts could be up to $375,000.

Please refer to your individual certificate for specific details or contact a Member Service Representative at 1-888-436-1847 for complete details on your share certificate truth and savings disclosure.

Annual Percentage Yield (APY) is accurate as of date listed above and is subject to change without notice.

See our schedule of fees for details on fees and charges associated with Money Market Accounts. Fees may reduce earnings.

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.

In addition, these accounts will also be insured up to an additional $125,000 by ESI, which means the combined total coverage for your accounts could be up to $375,000.

Individual Retirement Accounts (IRA)

Add certainty to your retirement strategy.

Features for Faster Retirement

IRA Certificate Rates

IRA Money Market Rates

Let’s Put Your Money to Work.

Any questions? Feel free to call us at888-436-1847

Retirement & Investment Articles

Individual Retirement Accounts (IRA)

Add certainty to your retirement strategy.

Features for Faster Retirement

IRA Certificate Rates

IRA Money Market Rates

Let’s Put Your Money to Work.

Any questions? Feel free to call us at888-436-1847

Retirement & Investment Articles

1Important Information

IRA Certificate General Disclosure

Money Market General Disclosure