Rates – IRAs

View our latest rates here, or contact us to visit with us about any questions you may have. Contact us to open an IRA: (402) 492-9100 or (800) 882-0244, or email, or stop by one of our branches.

IRA VARIABLE
NO MINIMUM BALANCE
RATE APY*
Traditional/ROTH/Coverdell 0.10% 0.10%
RMD Post 70 1/2 0.10% 0.10%
REWARDS TRADITIONAL
IRA TERM CERTIFICATES
REWARDS RATES REQUIRE CHECKING ACCOUNT RELATIONSHIP
RATE APY*
12 Months 0.25% 0.25%
24 Months 0.40% 0.40%
36 Months 0.45% 0.45%
48 Months 0.55% 0.55%
60 Months 0.60% 0.60%
TRADITIONAL IRA
TERM SHARE CERTIFICATES
$500 MINIMUM DEPOSIT
RATE APY*
12 Months 0.20% 0.20%
24 Months 0.35% 0.35%
36 Months 0.40% 0.40%
48 Months 0.50% 0.50%
60 Months 0.55%
0.55%
REWARDS ROTH & COVERDELL
IRA TERM CERTIFICATES
REWARDS RATES REQUIRE CHECKING ACCOUNT RELATIONSHIP
RATE APY*
12 Months 0.25% 0.25%
24 Months 0.40% 0.40%
36 Months 0.45% 0.45%
ROTH & COVERDELL
IRA CERTIFICATES
$500 MINIMUM DEPOSIT
RATE APY*
12 Months 0.20% 0.20%
24 Months 0.35% 0.35%
36 Months 0.40% 0.40%
$500 MINIMUM BALANCE REQUIRED RATE APY*
13 Months 0.35% 0.35%
25 Months 0.50% 0.50%

Rates effective as of 7/1/2021 and are subject to change. *APY-Annual Percentage Yield. For IRA accounts, the APY results if principal and dividends remain on deposit for one year at the stated dividend rate. For IRA Certificates, the APY results if principal and dividends remain on deposit until maturity. APY is accurate as of the date listed above. Dividends are compounded using the average daily balance method. IRA Account dividends accrue through the last day of each quarterly period and are posted to the account the last day of the quarter. IRA Share Certificate dividends will be credited to the account quarterly based on the date the account is opened. At maturity, certificates automatically renews for the same term as the previous term, at the rate in effect on the maturity date. At maturity and during the 10 calendar day grace period that begins on maturity date, the term or balance may be changed or withdrawals made without a penalty. Dividend rates vary at FNCU’s discretion and are subject to change at any time without notice. Early withdrawal penalties apply and fees or other conditions could reduce APY. All accounts are subject to the terms and conditions set forth in FNCU’s account agreement and Truth-in-Savings disclosure. IRAs are subject to IRS regulations.