Individual Retirement Accounts (IRAs)

Lower your tax burden and save for retirement by investing in a Tech CU Individual Retirement Account (IRA).

Information on IRA products & services
Articles on retirement planning and life changes
Online help with completing forms for new and existing IRAs
Retirement planning tools and calculators

Dividends earned on a Tech CU Certificate can be deposited into a Tech CU Savings or Checking Account, or reinvested into the certificate upon maturity. You also have the option to have your earned dividends deposited into your Tech CU Savings or Checking account on a monthly basis (available on certificates with a term of 6 months or longer).

Savings IRA

With a Tech CU Savings IRA, you can deposit up to the annual limit and earn higher dividends than with a regular savings. Available in Traditional and Roth. See Retirement Central for details.

0.05% dividend rate (0.05% Annual Percentage Yield)
$25 initial deposit
No minimum balance requirement
No annual maintenance fees
Dividends calculated daily and paid quarterly

IRA Certificates

Tech CU offers two kinds of IRA certificates: regular and jumbo, depending on the amount you want to invest. Both are available in Traditional and Roth. See Retirement Central for details.

	Certificates ($1,000 or more)		Jumbo Certificates ($95,000 or more)
Term	Dividend Rate	Annual Percentage Yield*	Dividend Rate	Annual Percentage Yield*
14 - 29 days	N/A	N/A	0.100%	0.10%
30 - 59 days	N/A	N/A	0.150%	0.15%
60-89 days	N/A	N/A	0.200%	0.20%
90 - 180 days (3 months)	0.300%	0.30%	0.300%	0.30%
181 - 270 days (6 months)	0.549%	0.55%	0.549%	0.55%
271 - 365 days (9 months)	0.698%	0.70%	0.698%	0.70%
366 - 545 days (1 year)	0.847%	0.85%	0.847%	0.85%
546 - 729 days (1 1/2 years)	1.046%	1.05%	1.046%	1.05%
2 years	1.095%	1.10%	1.095%	1.10%
3 years	1.442%	1.45%	1.442%	1.45%
4 years	1.788%	1.80%	1.788%	1.80%
5 years	2.280%	2.30%	2.280%	2.30%

Premier Member Rates with Relationship Rewards Bump Offer*

Premier Member Rates with Relationship Rewards Rate Bump	Certificates ($1,000 or more)		Jumbo Certificates ($95,000 or more)
Term	Dividend Rate	Annual Percentage Yield*	Dividend Rate	Annual Percentage Yield*
14 - 29 days	N/A	N/A	0.349%	0.35%
30 - 59 days	N/A	N/A	0.399%	0.40%
60-89 days	N/A	N/A	0.449%	0.45%
90 - 180 days (3 months)	0.549%	0.55%	0.549%	0.55%
181 - 270 days (6 months)	0.798%	0.80%	0.798%	0.80%
271 - 365 days (9 months)	0.947%	0.95%	0.947%	0.95%
366 - 545 days (1 year)	1.095%	1.10%	1.095%	1.10%
546 - 729 days (1 1/2 years)	1.294%	1.30%	1.294%	1.30%
2 years	1.343%	1.35%	1.343%	1.35%
3 years	1.689%	1.70%	1.689%	1.70%
4 years	2.034%	2.05%	2.034%	2.05%
5 years	2.530%	2.55%	2.530%	2.55%

* APY=Annual Percentage Yield. Rate as of June 1, 2010. Rates and terms subject to change without notice. $1,000 minimum. Fees may reduce earnings. Rate shown reflects .25% bump for Premier Relationship Rewards level, requiring an aggregate balance of $100,000. Ask a Tech CU representative for details. Early withdrawals are subject to a penalty.

Your savings are federally insured up to at least $250,000 by the National Credit Union Administration, a U.S. Government agency