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Traditional IRA

Saving for the future may also benefit you today. With a Traditional IRA from EECU, your contributions may be deductible on your income tax return, and earnings will grow tax-deferred until you withdraw them in retirement.
 

The Traditional IRA is best suited for individuals:

  • Who expect to be in a lower tax bracket at retirement
  • Seeking an immediate tax deduction

To begin saving for your retirement today, visit any EECU branch or give us a call at 817-882-0800.

 

Not intended to be tax advice. Please consult a tax professional for information regarding this account’s effects on your taxes.


IRA Rates

Compounds monthly. Dividend and Interest are credited monthly.
Type of Account Term Dividend Rate2 APY1 Min. Deposit to Open3
IRA CD - Fixed 6 Month 0.30% 0.30% $1,000.00
IRA CD - Fixed 12 Month 0.50% 0.50% $1,000.00
IRA CD - Fixed 18 Month 0.65% 0.65% $1,000.00
IRA CD - Fixed 24 Month 0.80% 0.80% $1,000.00
IRA CD - Fixed 48 Month 1.24% 1.25% $1,000.00
IRA CD - Fixed 60 Month 1.49% 1.50% $1,000.00
IRA Savings - Variable Variable 0.20% 0.20% $100.00

1 APY = Annual Percentage Yield. Rates subject to change without notice.
2 Rate = Dividend Rate
3 Must maintain a minimum $1,000 balance to earn APY ($100 balance on IRA Savings)
There is a penalty for early withdrawal

Compounds monthly. Dividend and Interest are credited monthly.
Type of Account Term Dividend Rate2 APY1 Min. Deposit to Open3
Jumbo IRA CD 6 Month 0.30% 0.30% $50,000.00
Jumbo IRA CD 12 Month 0.50% 0.50% $50,000.00
Jumbo IRA CD 18 Month 0.60% 0.60% $50,000.00
Jumbo IRA CD 24 Month 0.80% 0.80% $50,000.00
Jumbo IRA CD 48 Month 1.24% 1.25% $50,000.00
Jumbo IRA CD 60 Month 1.49% 1.50% $50,000.00

1 APY = Annual Percentage Yield. Rates subject to change without notice. Fees could reduce the earnings on the account.
2 Rate = Dividend Rate.
3 Must maintain a minimum $50,000 balance to earn APY.
There is a penalty for early withdrawal.

 

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Federally insured by NCUA. National Credit Union Administration, a U.S. Government Agency – Member accounts are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.

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