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Rates & Fees

Individual Retirement Account (IRA) Rates

Individual Retirement Account (IRA) TypeDividend RateAPY*
Traditional IRA0.40%0.40%
Roth IRA0.40%0.40%

*APY = Annual Percentage Yield. All rates are subject to change without notice.

†When qualification requirements are met

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Format: 12M, 36M, 3Y, 7Y

More Info

We offer the following options for IRAs:

– IRA Club Account
– IRA Certificates of Deposit
– Traditional IRA (federally insured by the NCUA up to $250,000). You may be able to use this retirement option for a tax deduction. You can pay taxes on the amount taken at the time of withdrawal or when you file your taxes.
– Roth IRA (federally insured by the NCUA up to $250,000). In this retirement option, taxes are taken from compensation immediately.

Other important information about our IRAs:

1. We have six-month, one-year, 18-month, three-year, four-year, and five-year terms available.
2. A penalty may be imposed for early withdrawal from our IRA accounts.
3. The IRA contribution limits for 2017 are $5,500 for those under age 50, and $6,500 for those age 50 and over.

Frequently Asked Questions

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I have always been treated as part of the Acadia family. The staff are all so welcoming and pleasant, not just to me, but to all who go in. I've had savings, checking, and loan accounts with them and I have never had problems. I highly recommend Acadia FCU! France D., member since 1980