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Indiana Credit Union IRA CD Rates 2018

If you have your savings dollars in a big bank or a bank with low savings rates, then you are losing money. We've found FDIC insured banks that will pay you more. Take a few minutes to explore the options below and see how you can boost your savings by more than 6X the national average rate. There is competition for your money. Take advantage of it!

IN - February 23, 2018

Advertiser Disclosure
BANKS APY Term MIN MILES ?
United
Restrictions
2.60% 55 $500 -
Inova
Restrictions
2.55% 30 $50,000 -
Teachers
Restrictions
2.34% 70 $2,500 -
Inova
Restrictions
2.30% 14 $50,000 -
2.25% 60 $500 -
Interra
Restrictions
2.24% 23 $100,000 -
2.10% 60 $1,000 -
Baxter
Restrictions
2.10% 65 $500 -
United
Restrictions
2.10% 19 $500 -
Inova
Restrictions
2.05% 14 $200 -
Interra
Restrictions
2.04% 23 $10,000 -
2.00% 31 $500 -
Centra
Restrictions
2.00% 60 $5,000 -
L & N
Restrictions
2.00% 36 $1,000 -
Tech
Restrictions
1.71% - $1,000 -
Diamond Valley
Restrictions
1.71% 48 $500 -
Three Rivers
Restrictions
1.70% 15 $25,000 -
Industrial
Restrictions
1.61% 33 $500 -
Three Rivers
Restrictions
1.60% 15 $25,000 -
Baxter
Restrictions
1.60% 18 $500 -
Indiana Members
Restrictions
1.56% 17 $1,000 -
1.50% 13 $500 -
Beacon
Restrictions
1.40% - $50 -
1.36% - $1,000 -
U S #1364
Restrictions
1.36% - $10,000 -
1.35% - $1 -
Perfect Circle
Restrictions
1.31% 22 $500 -
Indiana Members
Restrictions
1.26% - $1,000 -
Via Credit Union
Restrictions
1.26% - $500 -
L & N
Restrictions
1.25% - $1,000 -
Kemba
Restrictions
1.25% - $500 -
Forum
Restrictions
1.25% 15 $500 -
Members Heritage
Restrictions
1.21% - $1,000 -
1.20% - $500 -
Communitywide
Restrictions
1.20% - $2,000 -
Centra
Restrictions
1.10% 36 $5,000 -
Teachers
Restrictions
1.08% 11 $500 -
Regional
Restrictions
1.01% - $1,000 -
Unify Financial
Restrictions
1.00% - $1,000 -
Diamond Valley
Restrictions
1.00% 23 $500 -
1.00% - $500 -
Heritage
Restrictions
0.96% - $500 -
0.95% - $500 -
Baxter
Restrictions
0.95% - $500 -
0.95% - $500 -
Diamond Valley
Restrictions
0.94% 18 $500 -
0.90% - $1,000 -
Centra
Restrictions
0.85% - $500 -
Notre Dame
Restrictions
0.85% - $500 -
Aaa
Restrictions
0.85% - $500 -
0.85% 23 $5,000 -
Diamond Valley
Restrictions
0.81% - $500 -
Policemen's
Restrictions
0.75% - $500 -
Afena
Restrictions
0.75% - $500 -
0.75% - $1,000 -
Inova
Restrictions
0.75% 7 $200 -
Crane
Restrictions
0.70% - $500 -
0.70% - $500 -
Inova
Restrictions
0.70% - $200 -
Hoosier Hills
Restrictions
0.70% - $500 -
Members Source
Restrictions
0.65% - $1,000 -
0.65% - $500 -
Midwest America
Restrictions
0.65% - $500 -
Purdue
Restrictions
0.65% - $500 -
Teachers
Restrictions
0.64% - $1,000 -
0.60% - $1,000 -
0.60% - $1,000 -
Natco
Restrictions
0.60% - $1,000 -
0.55% - $500 -
0.50% - $250 -
United
Restrictions
0.50% - $500 -
Industrial
Restrictions
0.50% - $500 -
0.50% - $1 -
Fort Financial
Restrictions
0.50% - $500 -
0.50% - $1,000 -
Vibrant
Restrictions
0.50% - $100 -
0.45% 12 $25 -
Allegius
Restrictions
0.40% - $1,000 -
0.35% - $500 -
Vigo County
Restrictions
0.30% - $500 -
0.30% - $500 -
0.30% - $500 -
Interra
Restrictions
0.30% - $500 -
0.25% - $500 -
Fme
Restrictions
0.25% - $500 -
Perfect Circle
Restrictions
0.25% - $500 -
0.25% - $500 -
Ball State
Restrictions
0.25% - $500 -
Partners 1st
Restrictions
0.23% - $500 -
Advance Financial
Restrictions
0.20% - $500 -
Forum
Restrictions
0.20% - $500 -
0.20% - $1,000 -
Profed
Restrictions
0.20% - $1,000 -
0.20% - $500 -
Chiphone
Restrictions
0.20% - $500 -
Staley
Restrictions
0.19% - $1,000 -
First Trust
Restrictions
0.15% - $1,000 -
Everence
Restrictions
0.15% - $500 -
0.10% - $1,000 -
Members Advantage
Restrictions
0.10% - $1,000 -
Independent
Restrictions
0.10% - $1,000 -
0.09% - $1,000 -
Midwest Family
Restrictions
0.05% - $1,000 -
All rates listed above are Annual Percentage Yield (APY). The APY rate in a savings account or money market account is a variable rate that is subject to change at any point.


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PRODUCT INFORMATION


Fixed Rate IRA CDs

Fixed Rate IRA CDs are CDs that are held within an Individual Retirement Account (IRA) or a Roth Retirement Account. In an IRA, the funds are deposited pre-tax and allowed to accumulate tax free. When the individual retires, they are withdrawn and all earnings are taxed at the prevailing tax rate. Because individuals generally have lower incomes upon retirement, the tax rate is lower than what it would have been during their working years.

With a Roth IRA, post-tax funds are deposited into the account and the money is allowed to accumulate and be withdrawn tax free.

If the funds are withdrawn before retirement age 59 1/2, the individual will be required to pay a 10% penalty on top of any taxes owed. There are some exceptions to this rule. Fund can be withdrawn penalty free if they are used to pay for education at an IRA qualifying institution or in the purchase of a house.

Advantages to a FIRA

  • Money grows in a tax-advantaged way.
  • Funds are FDIC insured, just like a regular CD.
  • Interest rates on FIRAs are often higher than the same terms for a CD.
  • Some flexibility in withdrawing the money early for first time homebuyers and education expenses.

Disadvantages to a FIRA

  • Returns may not be as high as stocks, bonds, mutual funds.
  • Funds cannot be withdrawn until 59 1/2 without penalty (except for IRS approved expenses).
  • If interest rates rise during the term of the FIRA, money will be stuck in lower yielding account.

Please click here for more information on fixed rate IRA CDs.

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