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        Today's Rates

        Current Individual Retirement Account (IRA) Rates


        Flex IRA

        Start saving for your retirement with as little as $100 in a Flex IRA. Once this plan is open, you can make additional deposits whenever you'd like and for any amount.

        Contributory IRA Flex Savings
        Dividend Rate Annual Percentage Yield
        $100 to $2,499 0.05% 0.05%
        $2,500 to $9,999 0.05% 0.05%
        $10,000 to $24,999 0.05% 0.05%
        $25,000 to $49,999 0.05% 0.05%
        $50,000 or Greater 0.10% 0.10%
        Contributory IRA Flex Money Market
          Dividend Rate Annual Percentage Yield
        $10,000 to $24,999 * 0.10% 0.10%
        $25,000 to $49,999 * 0.15% 0.15%
        $50,000 to $99,999 * 0.20% 0.20%
        $100,000 or Greater * 0.20% 0.20%

        Traditional & Roth IRAs

        KeyPoint Credit Union offers traditional IRAs, which typically give you an immediate tax deduction for your yearly deposit – up to a certain deductible amount. (Consult your tax advisor for the total annual amount you can deposit and deduct.) Or you may prefer the Roth IRA, which does not offer a tax deduction in the year you make the contribution, but your earnings grow tax-free, and you may take tax-free withdrawals on those earnings for certain purposes. 

        Traditional & Roth Individual Retirement Accounts (IRA)
          Term Dividend Rate Annual Percentage Yield (APY) Annual Percentage Yield (APY) w/ DD*
        Minimum Balance
        $1,000
         
         
         
         
         
         
         
         
                 		 1 - 2 Months 0.10% 0.10% 0.20%
        3 - 5 Months 0.20% 0.20% 0.30%
        6 - 8 Months 0.30% 0.30% 0.40%
        9 - 11 Months 0.30% 0.30% 0.40%
        12 -17 Months 0.35% 0.35% 0.45%
        18 -23 Months 0.35% 0.35% 0.45%
        24 - 35 Months 0.40% 0.40% 0.50%
        36 -47 Months 0.70% 0.70% 0.80%
        48 -59 Months 0.95% 0.95% 1.05%
        60 - 71 Months 1.64% 1.65% 1.75%
        72 - 84 Months 1.64% 1.65% 1.75%
        Minimum Balance
        $10,000
         
         
         
         
         
         
         
         
                 		 1 - 2 Months 0.10% 0.10% 0.20%
        3 - 5 Months 0.20% 0.20% 0.30%
        6 - 8 Months 0.30% 0.30% 0.40%
        9 - 11 Months 0.30% 0.30% 0.40%
        12 -17 Months 0.35% 0.35% 0.45%
        18 -23 Months 0.35% 0.35% 0.45%
        24 - 35 Months 0.40% 0.40% 0.50%
        36 -47 Months 0.70% 0.70% 0.80%
        48 -59 Months 0.95% 0.95% 1.05%
        60 - 71 Months 1.64% 1.65% 1.75%
        72 - 84 Months 1.64% 1.65% 1.75%
        Minimum Balance
        $25,000
         
         
         
         
         
         
         
         
                 		 1 - 2 Months 0.10% 0.10% 0.20%
        3 - 5 Months 0.20% 0.20% 0.30%
        6 - 8 Months 0.30% 0.30% 0.40%
        9 - 11 Months 0.30% 0.30% 0.40%
        12 -17 Months 0.35% 0.35% 0.45%
        18 -23 Months 0.35% 0.35% 0.45%
        24 - 35 Months 0.40% 0.40% 0.50%
        36 -47 Months 0.70% 0.70% 0.80%
        48 -59 Months 0.95% 0.95% 1.05%
        60 - 71 Months 1.64% 1.65% 1.75%
        72 - 84 Months 1.64% 1.65% 1.75%
        Minimum Balance
        $50,000
         
         
         
         
         
         
         
         
                 		 1 - 2 Months 0.10% 0.10% 0.20%
        3 - 5 Months 0.20% 0.20% 0.30%
        6 - 8 Months 0.30% 0.30% 0.40%
        9 - 11 Months 0.30% 0.30% 0.40%
        12 -17 Months 0.35% 0.35% 0.45%
        18 -23 Months 0.35% 0.35% 0.45%
        24 - 35 Months 0.40% 0.40% 0.50%
        36 -47 Months 0.70% 0.70% 0.80%
        48 -59 Months 0.95% 0.95% 1.05%
        60 - 71 Months 1.64% 1.65% 1.75%
        72 - 84 Months 1.64% 1.65% 1.75%
        Minimum Balance
        $100,000
         
         
         
         
         
         
         
         
                 		 1 - 2 Months 0.10% 0.10% 0.20%
        3 - 5 Months 0.20% 0.20% 0.30%
        6 - 8 Months 0.30% 0.30% 0.40%
        9 - 11 Months 0.30% 0.30% 0.40%
        12 -17 Months 0.35% 0.35% 0.45%
        18 -23 Months 0.35% 0.35% 0.45%
        24 - 35 Months 0.40% 0.40% 0.50%
        36 -47 Months 0.70% 0.70% 0.80%
        48 -59 Months 0.95% 0.95% 1.05%
        60 - 71 Months 1.64% 1.65% 1.75%
        72 - 84 Months 1.64% 1.65% 1.75%

        IRA Disclosures

        Rates Effective August 30, 2012

        Flex IRA accounts have a Variable Rate. Traditional/Roth IRAs have a Fixed Rate.

        All dividends are compounded and paid quarterly except certificate accounts which are compounded and paid quarterly and/or at maturity.

        *Direct Deposit rate increase is for initial opening deposit only and applies to IRA Certificate renewal/rollovers. Failure to maintain net direct deposit during the term of IRA Certificate will reduce the rate by .10% APY. IRA Certificates must maintain the rate tier minimum balance through the end of the term. If the balance falls below the rate tier minimum balance, the IRA Certificate must be closed. Applicable penalties will apply to principal balance. Early withdrawal penalties apply. Rates are subject to change without notice. Please call (888) 255-3637 with any additional questions.

        APY = Annual Percentage Yield

        NCUA | Accounts in the same name are insured to an aggregate total of $250,000 by the National Credit Union Share Insurance Fund.