IRA Certificate Rates
(Effective May 3, 2011)
Health Associates Federal Credit Union offers distinct IRAs that are customized to meet your specific retirement needs. Below is a description of all IRA products that Health Associates Federal Credit Union offers.
Choose the IRA that meets your needs. And in times where protecting your hard-earned money for your retirement is priority, you can rest-assured that your funds will be protected by NCUA up to $250,000.00!
Traditional IRA - Choose a traditional IRA if you want the tax-deduction right now. It also makes sense if you anticipate paying taxes at a significantly lower rate in retirement. Open a new Traditional IRA or transfer your existing IRA from another financial institution. Do you have a 401(k) plan from a previous employer? You can transfer that qualified plan directly into a Traditional IRA.
Roth IRA - Choose a Roth IRA if you don't need the tax-break right now. It's a more flexible investment because:
- You can withdraw regular contributions at any time, tax-free and penalty-free.
- You do not have to take mandatory distributions at age 70 ½.
Note: The chart below does not list all rates, contact our retirement accounts specialist at 714-992-3022 ext 3023 for a complete rate sheet and to have all your questions answered.
IRA Certificates are insured for up to $250,000 by the NCUA, a Federal Government agency. Rates below are APY (Annual Percentage Yield).
Term
$10,000
$20,000
$50,000
$98,000
3 Months
0.10%
0.15%
0.15%
0.20%
6 Months
0.15%
0.20%
0.20%
0.25%
12 Months
0.030%
0.35%
0.35%
0.40%
18 Months
0.040%
0.45%
0.45%
0.50%
24 Months
0.060%
0.65%
0.65%
0.70%
30 Months
0.65%
0.70%
0.70%
0.75%
36 Months
0.85%
0.90%
0.90%
0.95%
48 Months
0.95%.
1.00%
1.00%
1.05%
60 Months
1.15%
1.20%
1.20%
1.25%
*Notes: All rates presented are APY (Annual Percentage Yield).
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