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IRA Share Account and IRA Certificate Rates

IRA Share Account and IRA Certificate Rates

IRA Share Account Rates¹ | Current as of January 09, 2025
Account Dividend Rate Annual Percentage Yield (APY) Minimum Opening Balance Minimum Balance to Earn APY
IRA Share 0.200% 0.20% $200.00 $200.00
IRA Certificates $500.00-$99,999.99¹ | Current as of January 09, 2025
Term Dividend Rates Annual Percentage Yield (APY)
7 Months² 4.65% 4.75%
12 Months 1.98% 2.00%
18 Months 3.69% 3.75%
24 Months 1.49% 1.50%
36 Months 1.00% 1.00%
48 Months 1.00% 1.00%
60 Months 1.00% 1.00%
IRA Certificates $100,000.00+¹ | Current as of January 09, 2025
Term Dividend Rates Annual Percentage Yield (APY)
7 Months² 4.65% 4.75%
12 Months 1.98% 2.00%
18 Months 3.69% 3.75%
24 Months 1.49% 1.50%
36 Months 1.00% 1.00%
48 Months 1.00% 1.00%
60 Months 1.00% 1.00%

Enjoy the freedom to prosper. If you have questions about IRA Share Account and IRA Certificate Rates, just give us a call at 609.538.4061 or 800.538.4061, email us at memberservices@cunj.org, or stop by one of our branches.

1

Rates effective July 1, 2024 and are subject to change without notice. Penalty for early withdrawal. Minimum balance required to obtain the APY. Fees could reduce earnings.

**

APY = Annual Percentage Yield. Rate is effective as of November 1, 2024, and is subject to change without notice. Penalty for early withdrawal may apply. Fees could reduce the earnings. A $5 Membership Account is required for this promotion. New money only. One certificate, business certificate or IRA certificate per person with a minimum deposit of $500 and a maximum deposit of $500,000. The 7-month certificate will renew as a 12-month certificate at the end of the 7-month period.

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1

Rates effective July 1, 2024 and are subject to change without notice. Penalty for early withdrawal. Minimum balance required to obtain the APY. Fees could reduce earnings.

**

APY = Annual Percentage Yield. Rate is effective as of November 1, 2024, and is subject to change without notice. Penalty for early withdrawal may apply. Fees could reduce the earnings. A $5 Membership Account is required for this promotion. New money only. One certificate, business certificate or IRA certificate per person with a minimum deposit of $500 and a maximum deposit of $500,000. The 7-month certificate will renew as a 12-month certificate at the end of the 7-month period.

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