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Ohio 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!

OH - November 18, 2017

BANKS APY Term MIN MILES ?
SEVEN SEVENTEEN
Restrictions
2.35% 60 $10,000 -
BMI
Restrictions
2.25% 61 $5,000 -
BMI
Restrictions
2.19% 55 $5,000 -
BMI
Restrictions
2.13% 49 $5,000 -
FREMONT
Restrictions
2.12% 36 $5,000 -
BMI
Restrictions
2.06% 43 $5,000 -
TRULIANT
Restrictions
2.05% 60 $1,000 -
2.02% - $500 -
2.00% 60 $1,000 -
BMI
Restrictions
1.99% 37 $5,000 -
BMI
Restrictions
1.93% 31 $5,000 -
BMI
Restrictions
1.86% 25 $5,000 -
BAXTER
Restrictions
1.85% 60 $500 -
SEVEN SEVENTEEN
Restrictions
1.85% 18 $10,000 -
1.65% - $500 -
1.60% 50 $500 -
TRULIANT
Restrictions
1.53% 36 $1,000 -
BAXTER
Restrictions
1.50% 30 $500 -
1.46% - $1,000 -
SUN
Restrictions
1.41% - $500 -
CODE
Restrictions
1.38% - $500 -
CENTURY
Restrictions
1.36% - $500 -
RIVER VALLEY
Restrictions
1.35% - $1,000 -
SEVEN SEVENTEEN
Restrictions
1.35% 12 $10,000 -
DAY AIR
Restrictions
1.30% - $500 -
BAYER HERITAGE
Restrictions
1.26% - $500 -
KEMBA
Restrictions
1.25% - $500 -
CME
Restrictions
1.25% 24 $500 -
ABBEY
Restrictions
1.25% - $1,000 -
1.25% - $1,000 -
1.25% - $1,000 -
1.21% - $500 -
KEMBA FINANCIAL
Restrictions
1.20% - $250 -
1.20% - $500 -
GENERAL ELECTRIC
Restrictions
1.20% - $500 -
CME
Restrictions
1.15% 15 $500 -
RIVERVIEW
Restrictions
1.11% 39 $5,000 -
1.11% 14 $500 -
1.10% - $500 -
COMMUNITY STAR
Restrictions
1.10% 19 $100,000 -
1.10% - $500 -
UNITY CATHOLIC
Restrictions
1.05% - $500 -
COMMUNITY STAR
Restrictions
1.05% 19 $50,000 -
FREMONT
Restrictions
1.01% - $1,000 -
1.01% - $500 -
TOLEDO METRO
Restrictions
1.00% - $250 -
CONNEXUS
Restrictions
1.00% - $5,000 -
HEARTLAND
Restrictions
1.00% - $500 -
1.00% - $500 -
COMMUNITY STAR
Restrictions
1.00% 19 $500 -
FIRELANDS
Restrictions
1.00% - $500 -
0.90% - $1,000 -
UNIVERSAL 1
Restrictions
0.90% - $500 -
0.90% - $1,000 -
COMMUNITY STAR
Restrictions
0.90% - $500 -
0.90% - $500 -
ASHLAND
Restrictions
0.85% - $1,000 -
LAKEVIEW
Restrictions
0.85% - $500 -
0.85% - $500 -
0.80% - $300 -
EMERY
Restrictions
0.80% - $500 -
CLEARVIEW
Restrictions
0.80% - $1,000 -
0.80% - $1,000 -
0.75% - $500 -
0.75% - $1,000 -
HOPEWELL
Restrictions
0.75% 23 $2,500 -
OHIO CATHOLIC
Restrictions
0.75% - $500 -
0.75% - $500 -
DESCO
Restrictions
0.70% - $2,500 -
BAXTER
Restrictions
0.70% - $500 -
GLASS CITY
Restrictions
0.70% - $500 -
DIRECTIONS
Restrictions
0.70% - $500 -
0.65% - $500 -
SHAREFAX
Restrictions
0.60% - $500 -
0.60% 15 $500 -
0.60% - $1,000 -
COLUMBUS METRO
Restrictions
0.60% - $500 -
0.60% - $500 -
RIVERVIEW
Restrictions
0.55% - $500 -
TRULIANT
Restrictions
0.55% - $250 -
0.50% - $500 -
0.50% - $500 -
0.50% - $1,000 -
0.50% - $1,000 -
TALERIS
Restrictions
0.50% - $500 -
0.50% - $500 -
HANCOCK
Restrictions
0.45% - $500 -
OHIO UNIVERSITY
Restrictions
0.45% - $500 -
HOPEWELL
Restrictions
0.45% - $500 -
CME
Restrictions
0.45% - $500 -
0.45% - $1,000 -
USX
Restrictions
0.45% - $500 -
0.45% - $500 -
0.40% - $1,000 -
YOUR LEGACY
Restrictions
0.40% - $500 -
0.40% - $500 -
QUEST
Restrictions
0.40% - $1,000 -
COMMUNITY FIRST
Restrictions
0.40% - $500 -
0.40% - $500 -
VACATIONLAND
Restrictions
0.40% - $500 -
HOMELAND
Restrictions
0.35% - $500 -
DOVER-PHILA
Restrictions
0.35% - $500 -
HOPEWELL
Restrictions
0.35% 11 $2,500 -
ATOMIC
Restrictions
0.35% - $1,000 -
0.35% - $500 -
0.35% 7 $500 -
TRUECORE
Restrictions
0.30% - $500 -
FIRST SERVICE
Restrictions
0.30% - $1,000 -
0.30% - $100 -
TELHIO
Restrictions
0.30% - $500 -
OHIO HEALTHCARE
Restrictions
0.30% - $250 -
0.30% - $500 -
MIDUSA
Restrictions
0.30% - $500 -
SEVEN SEVENTEEN
Restrictions
0.27% - $500 -
0.25% - $500 -
STARK
Restrictions
0.25% - $1 -
0.25% - $250 -
LORMET COMMUNITY
Restrictions
0.25% - $500 -
FME
Restrictions
0.25% - $500 -
0.25% - $500 -
0.25% - $500 -
CHAMPION
Restrictions
0.25% - $1,000 -
BMI
Restrictions
0.25% - $500 -
PARTNERS 1ST
Restrictions
0.23% - $500 -
0.20% - $500 -
0.20% - $100 -
SUMMIT
Restrictions
0.20% - $500 -
C E S
Restrictions
0.20% - $500 -
0.20% - $500 -
0.20% - $500 -
BAY AREA
Restrictions
0.20% - $1,000 -
TOWPATH
Restrictions
0.20% - $500 -
OHIO EDUCATIONAL
Restrictions
0.20% - $500 -
0.19% - $500 -
0.15% - $1,000 -
BFG
Restrictions
0.15% - $500 -
0.15% - $1,000 -
MIDWEST COMMUNITY
Restrictions
0.15% - $250 -
0.15% - $500 -
0.15% - $500 -
GOLDEN CIRCLE
Restrictions
0.10% - $1,000 -
MEDINA COUNTY
Restrictions
0.05% - $1,000 -


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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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