IRA Rates

IRA Rates

Higher earnings help cover the cost of a comfortable retirement lifestyle

Fill your retirement years with new experiences. Or just kick back and relax. Whatever your goals, we can help you reach them with our nest egg-boosting rates* on IRA savings accounts and CDs.

Certificate of Deposit Rates ($500-$2,499)
Effective Date: March 13, 2025
3 Months
Interest Rate 3.00%
APY 3.04%
6 Months
Interest Rate 3.25%
APY 3.30%
12 Months
Interest Rate 3.00%
APY 3.04%
18 Months
Interest Rate 2.50%
APY 2.53%
24 Months
Interest Rate 1.75%
APY 1.76%
36 Months
Interest Rate 1.75%
APY 1.76%
48 Months
Interest Rate 1.85%
APY 1.87%
60 Months
Interest Rate 1.85%
APY 1.87%
Term Interest Rate APY
3 Months3.00%3.04%
6 Months3.25%3.30%
12 Months3.00%3.04%
18 Months2.50%2.53%
24 Months1.75%1.76%
36 Months1.75%1.76%
48 Months1.85%1.87%
60 Months1.85%1.87%
Certificate of Deposit Rates ($2,500-$9,999)
Effective Date: March 13, 2025
3 Months
Interest Rate 3.00%
APY 3.04%
6 Months
Interest Rate 3.25%
APY 3.30%
12 Months
Interest Rate 3.00%
APY 3.04%
18 Months
Interest Rate 2.50%
APY 2.53%
24 Months
Interest Rate 1.75%
APY 1.76%
36 Months
Interest Rate 1.75%
APY 1.76%
48 Months
Interest Rate 1.85%
APY 1.87%
60 Months
Interest Rate 1.85%
APY 1.87%
Term Interest Rate APY
3 Months3.00%3.04%
6 Months3.25%3.30%
12 Months3.00%3.04%
18 Months2.50%2.53%
24 Months1.75%1.76%
36 Months1.75%1.76%
48 Months1.85%1.87%
60 Months1.85%1.87%
Certificate of Deposit Rates ($10,000-$24,999)
Effective Date: March 13, 2025
3 Months
Interest Rate 3.00%
APY 3.04%
6 Months
Interest Rate 3.25%
APY 3.30%
12 Months
Interest Rate 3.00%
APY 3.04%
18 Months
Interest Rate 2.68%
APY 2.71%
24 Months
Interest Rate 1.85%
APY 1.87%
36 Months
Interest Rate 1.85%
APY 1.87%
48 Months
Interest Rate 1.95%
APY 1.97%
60 Months
Interest Rate 1.95%
APY 1.97%
Term Interest Rate APY
3 Months3.00%3.04%
6 Months3.25%3.30%
12 Months3.00%3.04%
18 Months2.68%2.71%
24 Months1.85%1.87%
36 Months1.85%1.87%
48 Months1.95%1.97%
60 Months1.95%1.97%
Certificate of Deposit Rates ($25,000-$49,999)
Effective Date: March 13, 2025
3 Months
Interest Rate 3.00%
APY 3.04%
6 Months
Interest Rate 3.25%
APY 3.30%
12 Months
Interest Rate 3.00%
APY 3.04%
18 Months
Interest Rate 3.00%
APY 3.04%
24 Months
Interest Rate 2.15%
APY 2.17%
36 Months
Interest Rate 2.15%
APY 2.17%
48 Months
Interest Rate 2.09%
APY 2.11%
60 Months
Interest Rate 2.09%
APY 2.11%
Term Interest Rate APY
3 Months3.00%3.04%
6 Months3.25%3.30%
12 Months3.00%3.04%
18 Months3.00%3.04%
24 Months2.15%2.17%
36 Months2.15%2.17%
48 Months2.09%2.11%
60 Months2.09%2.11%
Certificate of Deposit Rates ($50,000-$99,999)
Effective Date: March 13, 2025
3 Months
Interest Rate 3.00%
APY 3.04%
6 Months
Interest Rate 3.25%
APY 3.30%
12 Months
Interest Rate 3.00%
APY 3.04%
18 Months
Interest Rate 3.11%
APY 3.15%
24 Months
Interest Rate 2.25%
APY 2.27%
36 Months
Interest Rate 2.25%
APY 2.27%
48 Months
Interest Rate 2.53%
APY 2.53%
60 Months
Interest Rate 2.53%
APY 2.53%
Term Interest Rate APY
3 Months3.00%3.04%
6 Months3.25%3.30%
12 Months3.00%3.04%
18 Months3.11%3.15%
24 Months2.25%2.27%
36 Months2.25%2.27%
48 Months2.53%2.53%
60 Months2.53%2.53%
Certificate of Deposit Rates ($100,000+)
Effective Date: March 13, 2024
3 Months
Interest Rate 3.00%
APY 3.04%
6 Months
Interest Rate 3.25%
APY 3.30%
12 Months
Interest Rate 3.00%
APY 3.04%
18 Months
Interest Rate 3.25%
APY 3.30%
24 Months
Interest Rate 2.50%
APY 2.53%
36 Months
Interest Rate 2.50%
APY 2.53%
48 Months
Interest Rate 2.75%
APY 2.78%
60 Months
Interest Rate 2.75%
APY 2.78%
Term Interest Rate APY
3 Months3.00%3.04%
6 Months3.25%3.30%
12 Months3.00%3.04%
18 Months3.25%3.30%
24 Months2.50%2.53%
36 Months2.50%2.53%
48 Months2.75%2.78%
60 Months2.75%2.78%
Savings IRA, ROTH IRA & Coverdell Education Account (ESA) Rates
Effective Date: May 9, 2025
0.15%
APY 0.15%
Rate APY
0.15%0.15%

Credit Union ONE is a full-service financial institution with locations in Southeast Michigan, Davison, MI, Traverse City, MI, and Grand Rapids, MI.

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*

All rates are Annual Percentage Yield. APY is based on an assumption that interest will remain in the account until maturity. Withdrawals and fees may reduce earnings. May be discontinued or changed at any time. 

The calculator tools are not guarantees of credit. Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes.