- Tax-advantaged retirement savings
- Competitive rates above standard savings
- No setup or administrative fees
- No monthly or annual maintenance fees
- Penalty may apply for early withdrawal
- Annual contribution limits apply
- $25 minimum deposit to open
Roth IRA Certificates
The minimum deposit necessary to establish a Roth IRA Certificate is $1,000 for terms of eighteen months to three years. Balances of $500 have terms of four to seven years. Roth IRAs are available to any member who has income from compensation, with no age restriction.
Traditional IRA Certificates
Traditional IRA Certificates start at $1,000 for terms of eighteen months to three years and $500 for terms of four, five, or seven years. Above all, IRA Certificates are insured by the NCUA.
Service was excellent. A very pleasant experience. Brightened my dayCienne B
Money Market IRA
The Money Market IRA is ideal for making regular withdrawals or when making required distributions. This account requires a minimum balance of $1,000 and earns the highest rate with a balance of $25,000 or more.
You Might Also Be Interested In...
Member Reward Offers
We believe our members deserve to be rewarded, that is why PDCU rewards you for all types of activity.
Remember PDCU for all of your home finance needs. We can help you consolidate your debt with a refinance.
Auto refinancing could score you a lower interest rate. As a result, it could decrease your monthly payments and free up cash for other financial obligations.
RatesRates Effective as of: 02-28-2024
IRA VARIABLE RATE SAVINGS (Traditional, Roth, Educational)Rates Effective as of: 02-28-2024
Minimum Deposit Dividend/Interest Rate APY $100 0.350% 0.35%
Frequently Asked QuestionsAn IRA CD works similarly to a regular CD. Your initial investment earns a fixed interest rate over a set timeframe and renews automatically. The more money you put in, the higher your rate will be, which means a more significant return on your investment. The main difference is that, unlike a regular CD, an IRA CD offers certain tax advantages associated with a traditional or Roth IRA.
Roth, Traditional and IRA Certificates
Looking for a safe place for your Individual Retirement Account (IRA)?
Where People Matter Most
Roth, Traditional and Money Market IRA Certificates