IRA CDs are a safe, secure way to earn guaranteed interest payments on your money and to save for retirement without going through your employer.

With flexible terms ranging from 3 months to 5 years, great interest rates, and a minimum deposit of only $500, ACU should be first on your list for secured deposits. All deposits are insured by the NCUA to at least $250,000. Don’t forget that an IRA CD is also subject to the same rules as any other IRA. That means it is subject to the same IRA contribution limits. You can choose between a Traditional IRA CD or a Roth IRA CD.


  • Minimum opening deposit $500

  • Terms vary from 3 – 60 months

  • Fees are charged for early withdrawals from a CD (except RMD withdraws)

  • Fixed interest rate

  • Interest is compounded and paid quarterly. The longer the term, the higher the interest the CD will earn.

  • Members of the VIP Club can earn higher interest rates

  • Additional deposits can be made at maturity or within 10 days grace period of maturity

  • Contributions to Traditional IRA CDs are tax deductible and earnings are tax deferred until withdrawal, which can begin at age 59 ½ and mandatory withdrawals begin at age 70 ½

  • Contributions to Roth IRA CDs are not tax deductible, but withdrawals are 100% tax free and can begin at age 59 ½. Roth IRAs are not subject to Required Minimum Distribution rules until the death of the owner.

IRA CD Rates

Current as of May 21, 2024

Term Yield (APY) VIP Yield (APY)

3 Months

4.25% *

4.40% **

6 Months

5.10% *

5.25% **

12 Months

5.05% *

5.20% **

18 Months

4.30% *

4.45% **

24 Months

4.35% *

4.50% **

36 Months

4.10% *

4.25% **

48 Months

4.00% *

4.15% **

60 Months

3.90% *

4.05% **



How It Helps You

How It Works

  Makes Money

Earns higher interest on funds you don’t need routine access to

Convenience  Convenient

Automatic renewal when CD has reached maturity

Peace of Mind  Peace of Mind

Earns the same rate throughout the term of the deposit

Peace of Mind  Peace of Mind

Your savings will never lose value and are insured federally by the NCUA for balances up to $250,000

Even More To Love

Check out these other great products and services from ACU!


Want to earn even better rates? Check out how to become a member of our VIP Club.


Choose from three types of Debit/Checking accounts to fit your lifestyle!

It's Never Too Early To Start Saving For Retirement!

Visit Any Branch to Open

*Yield = Annual Percentage Yield. Deposits are insured by the National Credit Union Administration to at least $250,000. Savings, money market, accumulator and checking account dividends are compounded monthly. Certificate dividends are compounded quarterly. Minimum deposits indicate the minimum average daily balance required to receive the stated dividend rate. Share Savings yield is declared as a dividend for the previous month.
**V.I.P. rates are reserved for V.I.P. club members. For more information on the V.I.P. Club, click here.

Browser Warning

It looks like you’re using a browser that we no longer support. Unsupported browsers have vulnerabilities that make visiting sites less safe.  Please, upgrade your browser to improve your experience. We recommend that you use the newest version of one of the modern browsers for the best experience and to help protect your information from being compromised.