When you’re looking for excellent IRA rates, look no further – Energy CU have the competitive rates you’re looking for.

Rates are effective as of February 17, 2023. Rates are subject to change without notice.

IRA Rates Table
IRAs Dividend/Interest Rate APY *
IRA Share Same as Share rates
IRA CDs Same as CD rates

* Annual Percentage Yield (APY) assumes principal and interest remain on deposit for one year and the rate to be the same at each renewal period. Interest is compounded and paid monthly. There is a substantial penalty for early withdrawals on Certificates.

As in the case of all credit union accounts, the amount on deposit is fully insured up to the legal limitations. The first $250,000 is insured by the National Credit Union Share Insurance Fund (NCUSIF). In addition, IRA deposits are insured separately under NCUSIF up to $250,000. NCUSIF is administered by the National Credit Union Administration (NCUA), an agency of the federal government. In addition to being federally insured, any amount on deposit exceeding $250,000 is insured in full up to the legal limitations by the Massachusetts Share Insurance Corporation (MSIC).

Please see our Truth in Savings disclosure statement for more information about deposit accounts.