Traditional IRA

A Traditional IRA is one of many great ways to save for retirement.

What is a Traditional IRA?

A Traditional IRA is a retirement account with tax-deferred earnings and the possibility of tax-deductible contributions. The possible tax advantages of a Traditional IRA make it a great option for a long-term retirement savings plan. Talk to your tax advisor to find out if a Traditional IRA is right for you.

Benefits and Features

No monthly service charges
Flexible investment options
Earns dividends that are compounded and credited quarterly
Tax deductible contributions¹

Rates

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

Traditional IRA Savings

Dividend Rate	APY²
0.50%	0.50%

59½ Share Savings IRA

Minimum age of 59½ to open an account.

Dividend Rate	APY²
0.75%	0.75%

Traditional 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	%	%