Rates for a Relaxed Retirement

Fixed Rate IRA Certificate

Term Rate APY
6 Month 0.050% 0.05%
12 Month 0.100% 0.10%
24 Month Step-Up 0.100% 0.10%
24 Month 0.250% 0.25%
36 Month 0.499% 0.50%
48 Month 0.747% 0.75%
60 Month 0.995% 1.00%

Effective Date: November 15, 2012


Variable Rate IRA

Term Rate APY
Variable 0.250% 0.25%

Effective Date: October 1, 2012

Cash In on Tax-Deferred Contributions

A traditional IRA allows you to defer taxes on your IRA contributions until retirement, when you withdraw your funds. Your contributions are still tax deductible in the tax year during which they are made, so you’ll benefit from saving every step of the way.

Talk to your financial representative to learn more

Pay Today, Withdraw Worry-Free

If you expect to be in a higher tax bracket when you retire, consider a UFCU Roth IRA. A Roth IRA is a non-deductible account that allows you to pay taxes on your contributions now, so you can withdraw your funds free and clear (for qualifying distribution reasons) after a five-year holding period. And deposits are allowed at any time, without required distribution based on IRA age.

Contact your local financial center to learn more

Boost Your Retirement Reserves

A UFCU Step-Up Certificate allows you to snag future rate increases on a one-time basis during your certificate term—and increase your original principal amount at the same time.

Learn more


APY = Annual Percent Yield

* Dividends are calculated by the daily balance method, are based on UFCU's earnings at the end of a dividend period and cannot be guaranteed.

How much should you save?

How much savings do you have now?
$
   
What is your current age?
   
At what age do you plan to retire?
   
How many years to you expect to be in retirement?
   
Amount of annual income you think you'll need from your savings?
$
   
Average inflation rate between now and retirement
%
   
Enter the approximate rate of return on your savings
%
   
Savings Before Retirement Results Table Print
Principal
Total Interest
Total Savings
Term
Savings After Retirement Results Table Print
Principal
Total Interest
Total Income
Savings Balance
Term

This information is provided for illustrative purposes only. Rates are subject to change, and terms may vary based on your individual circumstances.

Savings for life
UFCU Certificates
Up to 1.00% interest