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 Months | 3.00% | 3.04% |
| 6 Months | 3.25% | 3.30% |
| 12 Months | 3.00% | 3.04% |
| 18 Months | 2.50% | 2.53% |
| 24 Months | 1.75% | 1.76% |
| 36 Months | 1.75% | 1.76% |
| 48 Months | 1.85% | 1.87% |
| 60 Months | 1.85% | 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 Months | 3.00% | 3.04% |
| 6 Months | 3.25% | 3.30% |
| 12 Months | 3.00% | 3.04% |
| 18 Months | 2.50% | 2.53% |
| 24 Months | 1.75% | 1.76% |
| 36 Months | 1.75% | 1.76% |
| 48 Months | 1.85% | 1.87% |
| 60 Months | 1.85% | 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 Months | 3.00% | 3.04% |
| 6 Months | 3.25% | 3.30% |
| 12 Months | 3.00% | 3.04% |
| 18 Months | 2.68% | 2.71% |
| 24 Months | 1.85% | 1.87% |
| 36 Months | 1.85% | 1.87% |
| 48 Months | 1.95% | 1.97% |
| 60 Months | 1.95% | 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 Months | 3.00% | 3.04% |
| 6 Months | 3.25% | 3.30% |
| 12 Months | 3.00% | 3.04% |
| 18 Months | 3.00% | 3.04% |
| 24 Months | 2.15% | 2.17% |
| 36 Months | 2.15% | 2.17% |
| 48 Months | 2.09% | 2.11% |
| 60 Months | 2.09% | 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 Months | 3.00% | 3.04% |
| 6 Months | 3.25% | 3.30% |
| 12 Months | 3.00% | 3.04% |
| 18 Months | 3.11% | 3.15% |
| 24 Months | 2.25% | 2.27% |
| 36 Months | 2.25% | 2.27% |
| 48 Months | 2.53% | 2.53% |
| 60 Months | 2.53% | 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 Months | 3.00% | 3.04% |
| 6 Months | 3.25% | 3.30% |
| 12 Months | 3.00% | 3.04% |
| 18 Months | 3.25% | 3.30% |
| 24 Months | 2.50% | 2.53% |
| 36 Months | 2.50% | 2.53% |
| 48 Months | 2.75% | 2.78% |
| 60 Months | 2.75% | 2.78% |
Savings IRA, ROTH IRA & Coverdell Education Account (ESA) Rates
Effective Date: December 3, 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.