Individual Retirement Accounts

Long-term savings for your future.

Individual Retirement Accounts (IRAs) are safe, sound and secure long-term savings solutions that could provide unique tax advantages as you prepare for your retirement.*


DFCU offers traditional and Roth IRAs, and local experts who can review your IRA options with you and discuss which plan best fits your needs. IRA account balances may even qualify you for our Cash Back loyalty reward.

Roth IRA balances are added together with Traditional IRA balances, and this aggregate balance is insured by the NCUA up to $250,000 separately from your other DFCU Financial account balances.


Rates effective as of 7/13/2024

*Consult your tax advisor. This is for informational purposes only and it is not intended to be tax, legal or other professional advice.
1APY = Annual Percentage Yield. Paid and compounded quarterly. Dividend rates are determined by the principal balance when your certificate is opened. Dividend payments will not affect the dividend rate during the term even if the minimum balance for the next tier is met. Rates subject to change without notice at any time. Penalties may apply for early withdrawals.
2APY = Annual Percentage Yield. Paid and Compounded Monthly. Fees could reduce account dividend earnings. Dividend rate may change after the account is opened. Deposit account balance may increase your Cash Back.
DFCU Financial deposit products are insured by the NCUA.