{"id":306,"date":"2021-09-14T17:44:04","date_gmt":"2021-09-14T17:44:04","guid":{"rendered":"https:\/\/nrccu.org\/?page_id=306"},"modified":"2024-02-06T15:12:07","modified_gmt":"2024-02-06T21:12:07","slug":"ira-certificate-of-deposit","status":"publish","type":"page","link":"https:\/\/dev.wafishermn.com\/nrccu\/savings-and-checking\/investing\/ira-certificate-of-deposit\/","title":{"rendered":"IRA Certificate of Deposit"},"content":{"rendered":"\n\n\t<p>The IRA certificates of deposit pay a higher interest rate and allows you to pick the best term for yourself. We offer 12, 24, 36, and 48 month terms.<\/p>\n<h2><strong>Costs and Considerations<\/strong><\/h2>\n<ul>\n<li>Minimum deposit to open IRA CD is $1000<\/li>\n<\/ul>\n<h3>Early withdrawal fees:<\/h3>\n<p>90 days interest will be deducted<\/p>\n<p>IRS penalty for early withdrawal on distributions before age 59 \u00bd unless account holder uses funds for: first time home purchase (10,000) or education. Refer questions to members tax consultant<\/p>\n<h2><strong>Features and Benefits<\/strong><\/h2>\n<ul>\n<li>Higher interest rates than standard CDs and savings accounts<\/li>\n<li>A 10-day grace period is granted after a CD matures. It allows you to come in to renew, cash-out, or transfer funds.<\/li>\n<\/ul>\n<h2><strong>IRA Certificate of Deposit Rates<\/strong><\/h2>\n\t<table>\n    <thead>\n        <tr>\n            <th>Term<\/th>\n            <th>APY*<\/th>\n        <\/tr>\n    <\/thead>\n    <tbody>\n        <tr>\n            <td>12 months<\/td>\n            <td>4.500%<\/td>\n        <\/tr>\n          <tr>\n            <td>24 months<\/td>\n            <td>3.250%<\/td>\n        <\/tr>\n          <tr>\n            <td>36 months<\/td>\n            <td>3.150%<\/td>\n        <\/tr>\n          <tr>\n            <td>48 months<\/td>\n            <td>3.000%<\/td>\n        <\/tr>\n    <\/tbody>\n<\/table>\n<p>*APY = Annual Percentage Yield<\/p>\n\t\t\t<a href=\"\/contact-us\/\" target=\"_self\" rel=\"noopener\">\n\t\t\t\t\t\t\tAsk a Question\n\t\t\t\t\t<\/a>\n\t\t\t<a href=\"\/resources\/about-us\/join-northridge\/\" target=\"_self\" rel=\"noopener\">\n\t\t\t\t\t\t\tBecome a Member\n\t\t\t\t\t<\/a>\n<h2>\n\t\tYou Might Also Like\n\t<\/h2>\n\t\t\t<a href=\"\/savings-and-checking\/investing\/certificate-of-deposit-cd\/\" target=\"_self\" rel=\"noopener\">\n\t\t\t\t\t\t\tCertificate of Deposit\n\t\t\t\t\t<\/a>\n\t\t\t<a href=\"\/savings-and-checking\/investing\/roth-ira\/\" target=\"_self\" rel=\"noopener\">\n\t\t\t\t\t\t\tRoth IRA\n\t\t\t\t\t<\/a>\n\t\t\t<a href=\"\/resources\/about-us\/contact-us\/\" target=\"_self\" rel=\"noopener\">\n\t\t\t\t\t\t\tOur Locations\n\t\t\t\t\t<\/a>\n\n","protected":false},"excerpt":{"rendered":"<p>The IRA certificates of deposit pay a higher interest rate and allows you to pick the best term for yourself. We offer 12, 24, 36, and 48 month terms. Costs and Considerations Minimum deposit to open IRA CD is $1000 Early withdrawal fees: 90 days interest will be deducted IRS penalty for early withdrawal on [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":497,"parent":124,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-306","page","type-page","status-publish","has-post-thumbnail","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>IRA Certificate of Deposit | NorthRidge Community Credit Union<\/title>\n<meta name=\"description\" content=\"NorthRidge&#039;s IRA certificates of deposit pay a higher interest rate and allows you to pick the best term for yourself. 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