Roth IRA

A Roth IRA retirement account may be a great option for you as you're thinking about how to save for retirement.

What is a Roth IRA?

A Roth IRA is a retirement account where you may be able to contribute post-tax income. If you qualify, Roth IRA withdrawals and dividends may be tax free. Talk to your tax advisor to find out if you qualify for a Roth IRA.

Benefits and Features

No monthly service charges
Flexible investment options
Earns dividends that are compounded and credited quarterly

Rates

Rates for Roth IRA Savings, 59½ Share Savings IRA, and Roth IRA Certificates.

Roth IRA Savings

Dividend Rate	APY¹
0.50%	0.50%

59½ Share Savings IRA

Minimum age of 59½ to open an account.

Dividend Rate	APY¹
0.75%	0.75%

Roth IRA Certificates

Rates current as of .

Promotional Rates

Term	Minimum Deposit	Dividend Rate	APY¹
6 Months	$	%	%
	12 Months	$	%	%
		18 Months	$	%	%
24 Months			$	%	%
	36 Months		$	%	%
		48 Months	$	%	%
60 Months			$	%	%

All promotional certificates must be opened with funds that are not currently held in a CapEd Credit Union account or that have been deposited to a CapEd Credit Union account less than 30 days.

Standard Rates

Term	Minimum Deposit	Dividend Rate	APY¹
6 Months	$500	%	%
	$10,000	%	%
	$50,000	%	%
12 Months	$500	%	%
	$10,000	%	%
	$50,000	%	%
18 Months	$500	%	%
	$10,000	%	%
	$50,000	%	%
24 Months	$500	%	%
	$10,000	%	%
	$50,000	%	%
36 Months	$500	%	%
	$10,000	%	%
	$50,000	%	%
48 Months	$500	%	%
	$10,000	%	%
	$50,000	%	%
60 Months	$500	%	%
	$10,000	%	%
	$50,000	%	%