You are viewing fixed rate ira rates across North Carolina

North Carolina Credit Union IRA CD Rates 2017

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!

NC - June 25, 2017

BANKS APY Term MIN MILES ?
COASTAL
Restrictions
2.00% 55 $10,000 -
SUMMIT
Restrictions
1.50% 39 $25,000 -
AMERICAN AIRLINES
Restrictions
1.31% - $1,000 -
PENTAGON
Restrictions
1.26% - $1,000 -
COASTAL
Restrictions
1.25% 27 $500 -
XCEED FINANCIAL
Restrictions
1.25% 15 $500 -
1.25% - $1,000 -
SUMMIT
Restrictions
1.25% 39 $500 -
ABNB
Restrictions
1.20% - $1,000 -
1.10% - $500 -
ALLIANCE
Restrictions
1.10% - $500 -
1.06% - $1,000 -
SELF-HELP
Restrictions
1.06% - $500 -
SUMMIT
Restrictions
1.00% 27 $500 -
ATLANTA POSTAL
Restrictions
1.00% - $2,000 -
FOUNDERS
Restrictions
1.00% - $5 -
PREMIER
Restrictions
0.90% - $1,000 -
XCEED FINANCIAL
Restrictions
0.90% - $500 -
CHARTWAY
Restrictions
0.85% - $100 -
0.80% - $1,000 -
INOVA
Restrictions
0.75% 7 $200 -
SUMMIT
Restrictions
0.75% 15 $500 -
INOVA
Restrictions
0.70% - $200 -
PROPONENT
Restrictions
0.65% - $1,000 -
CENTRA
Restrictions
0.65% - $500 -
SUMMIT
Restrictions
0.60% - $500 -
CHAMPION
Restrictions
0.60% - $5,000 -
WELCOME
Restrictions
0.60% - $100 -
0.60% - $500 -
MEMBERS HERITAGE
Restrictions
0.60% - $1,000 -
CAROLINAS TELCO
Restrictions
0.57% - $500 -
WEYCO COMMUNITY
Restrictions
0.55% - $1 -
FORT BRAGG
Restrictions
0.55% - $500 -
0.55% - $1,000 -
CHARLOTTE METRO
Restrictions
0.55% - $2,000 -
MARINE
Restrictions
0.50% - $500 -
0.50% - $500 -
BAXTER
Restrictions
0.50% - $500 -
0.45% - $1,000 -
0.45% - $500 -
0.40% - $500 -
CORNING
Restrictions
0.40% - $1,000 -
0.40% - $500 -
COASTAL
Restrictions
0.40% - $500 -
FIRST FLIGHT
Restrictions
0.40% - $500 -
ALLEGACY
Restrictions
0.35% - $500 -
SHARONVIEW
Restrictions
0.35% - $500 -
INOVA
Restrictions
0.35% 14 $200 -
MEMBERS
Restrictions
0.30% - $2,000 -
TRULIANT
Restrictions
0.30% - $250 -
0.25% - $500 -
FORT FINANCIAL
Restrictions
0.25% - $500 -
R T P
Restrictions
0.10% - $250 -


BestCashCow strives to maintain the most accurate rates. If you find a rate that is not accurate, please let us know by commenting below so that we can update it. Thank you for your help.

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.

SAVINGS & CD CALCULATOR

Find out how much extra money you can earn by moving your bank money into an account that pays more.

Use or Change these Amounts And Rates

  • Susanna Haslow

    October 25, 2016

    Andrews Federal Credit Union 3% APY 7year duration.M

  • Gary Ronan

    March 08, 2016

    WINGS C/U not listed. Currently (03/07/16) offering A 5 year IRA at 2.02 APY. Best in state I've found.

  • «
  • Page 1 of 1
  • »

Add Your Review

Rate it here →