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IRA Rates

Work toward a secure retirement.

Save more towards your retirement with great Michigan IRA rates from Credit Union ONE.

IRA Accounts (IRA, ROTH IRA & Coverdell Education Account)

(Interest is compounded and credited monthly*.)

Term	$2,500-$9,999		$10,000-$24,999		$25,000-$49,999		$50,000-$99,999		$100,000+
	Interest Rate	APY	Interest Rate	APY	Interest Rate	APY	Interest Rate	APY	Interest Rate	APY
3 Months	n/a	n/a	0.25%	0.25%	0.25%	0.25%	0.25%	0.25%	0.75%	0.75%	1.00%	1.00%
6 Months	4.50%	4.59%	4.50%	4.59%	4.50%	4.59%	4.50%	4.59%	4.50%	4.59%	4.50%	4.59%
12 Months	n/a	n/a	1.00%	1.00%	1.25%	1.26%	1.60%	1.61%	1.70%	1.71%	2.00%	2.02%
18 Months	n/a	n/a	0.75%	0.75%	0.90%	0.90%	1.25%	1.26%	1.35%	1.36%	1.50%	1.51%
24 Months	n/a	n/a	0.50%	0.50%	0.60%	0.60%	0.90%	0.90%	1.00%	1.00%	1.50%	1.51%
36 Months	n/a	n/a	0.50%	0.50%	0.60%	0.60%	0.90%	0.90%	1.00%	1.00%	1.60%	1.61%
48 Months	n/a	n/a	0.60%	0.60%	0.70%	0.70%	0.80%	0.80%	0.90%	0.90%	1.70%	1.71%
60 Months	n/a	n/a	0.60%	0.60%	0.70%	0.70%	0.80%	0.80%	0.90%	0.90%	1.80%	1.82%

Savings IRA, ROTH IRA & Coverdell Education Account (ESA)

placeholder cell	Rate	APY*
Savings	0.15%	0.15%

Add on Certificate of Deposit

(Interest is compounded and credited monthly.)

Term	$500-$24,999		$25,000-$49,999		$50,000-$99,999		$100,000+
	Interest Rate	APY	Interest Rate	APY	Interest Rate	APY	Interest Rate	APY
10-Months	4.00%	4.07%	4.00%	4.07%	4.00%	4.07%	4.00%	4.07%

**All rates are Annual Percentage Yield (APY). Minimum to open is $200. APY is based on an assumption that interest will remain in the account until maturity. Withdrawals and fees may reduce earnings. Unlimited add on deposits may be made over the term of the CD. Upon maturity, the rate for all tiers will default to the current standard rate as published in the rate schedule. Rates accurate as of 9/11/2020. May be discontinued or changed at anytime. Early Withdrawal Penalty for fixed term certificates (CDs) and IRAs: Loss of 30 days interest for CDs with a term of 6 months or less. Loss of 90 days interest for CDs with a term greater than 6 months or equal to 12 months

APY is Annual Percentage Yield. Minimum to open is $5. APY may change after account is open. Withdrawals and fees may reduce earnings. Penalty may be imposed for early withdrawal