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Individual Retirement Accounts (IRAs)

Welcome to Retirement Central

REALTORS® FCU can provide all of the resources you need to help guide you along the path to securing your financial future. Choose from Traditional, SEP and Roth IRA savings or Traditional, Roth and SEP IRA certificates with great rates. Opening balances are from $1,000-10,000 and a variety of terms. (Click the Rates tab for more details.)

Once you open your Individual Retirement Account (IRA) you can easily view your balance & account activity at any time within Online Banking. You can use Retirement Central to:

Learn about IRAs

New to IRAs? Don't worry - we've got Planning Tools, Life Stages, and Frequently Asked Questions to help you through. REALTORS® FCU offers several different IRA Products for you to choose from.

Manage an IRA

Already have an IRA with REALTORS® FCU? You can also visit Service my IRA to request a withdrawal, manage beneficiary information, or make a regular, rollover, transfer, re-characterization and more.

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Ready to start saving? You must be a member of REALTORS® FCU to open an IRA. Already a member? Click Open an IRA to get started. REALTORS® FCU offers several different IRA Products for you to choose from.




Traditional, SEP and Roth IRA Savings05/27/2011
Dividend Rate Annual Percentage Yield (APY) Min. Balance to Open
$0.00-$2,499 0.150%0.15%No Minimum
$2,500-$249,9990.200%0.20%$2,500
$250,000 and up0.349%0.35%$250,000
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3 and 6 Month Traditional IRA Certificates105/27/2011
Min. Balance Amount (to earn dividends) Dividend Rate Annual Percentage Yield (APY) Min. Balance to Open
3-Month Certificate$1,000 and up0.25%0.25%$1,000.00
6-Month Certificate$1,000 and up0.349%0.35%$1,000.00
1All rates, terms and conditions are subject to change without notice. Maintenance or activity fees associated with an account type could reduce earnings. A penalty may be imposed for early withdrawal. Refer to Disclosures for complete details.
select the row

3 and 6 Month Roth IRA Certificates105/27/2011
Min. Balance Amount (to earn dividends) Dividend Rate Annual Percentage Yield (APY) Min. Balance to Open
3-Month Certificate$1,000 and up0.25%0.25%$1,000.00
6-Month Certificate$1,000 and up0.349%0.35%$1,000.00
1All rates, terms and conditions are subject to change without notice. Maintenance or activity fees associated with an account type could reduce earnings. A penalty may be imposed for early withdrawal. Refer to Disclosures for complete details.
select the row

3 and 6 Month SEP IRA Certificates105/27/2011
Min. Balance Amount (to earn dividends) Dividend Rate Annual Percentage Yield (APY) Min. Balance to Open
3-Month Certificate$1,000 and up0.25%0.25%$1,000.00
6-Month Certificate$1,000 and up0.349%0.35%$1,000.00
1All rates, terms and conditions are subject to change without notice. Maintenance or activity fees associated with an account type could reduce earnings. A penalty may be imposed for early withdrawal. Refer to Disclosures for complete details.
select the row

12 and 24 Month Traditional IRA Certificates105/27/2011
  Standard: $1,000 - $98,999.99 Jumbo: $99,000 - $249,999.99 Super: $250,000 and up
Dividend Rate Annual Percentage Yield (APY) Dividend Rate Annual Percentage Yield (APY) Dividend Rate Annual Percentage Yield (APY)
One Year Traditional IRA Certificate0.698%0.70%0.747%0.75%0.847%0.85%
24-Month Traditional IRA Certificate0.946%0.95%0.995%1.00%1.095%1.10%
1All rates, terms and conditions are subject to change without notice. Maintenance or activity fees associated with an account type could reduce earnings. A penalty may be imposed for early withdrawal. Refer to Disclosures for complete details.
select the row

12 and 24 Month Roth IRA Certificates105/27/2011
  Standard: $1,000 - $98,999.99 Jumbo: $99,000 - $249,999.99 Super: $250,000 and up
Dividend Rate Annual Percentage Yield (APY) Dividend Rate Annual Percentage Yield (APY) Dividend Rate Annual Percentage Yield (APY)
One Year Roth IRA Certificate0.698%0.70%0.747%0.75%0.847%0.85%
24-Month Roth IRA Certificate0.946%0.95%0.995%1.00%1.095%1.10%
1All rates, terms and conditions are subject to change without notice. Maintenance or activity fees associated with an account type could reduce earnings. A penalty may be imposed for early withdrawal. Refer to Disclosures for complete details.
select the row

12 and 24 Month SEP IRA Certificates105/27/2011
  Standard: $1,000 - $98,999.99 Jumbo: $99,000 - $249,999.99 Super: $250,000 and up
Dividend Rate Annual Percentage Yield (APY) Dividend Rate Annual Percentage Yield (APY) Current Rate Annual Percentage Yield (APY)
One Year SEP IRA Certificate0.698%0.70%0.747%0.75%0.847%0.85%
24-Month SEP IRA Certificate0.946%0.95%0.995%1.00%1.095%1.10%
1All rates, terms and conditions are subject to change without notice. Maintenance or activity fees associated with an account type could reduce earnings. A penalty may be imposed for early withdrawal. Refer to Disclosures for complete details.
select the row

18 Month Traditional IRA Certificate105/27/2011
  Standard: $1,000 - $98,999.99 Jumbo: $99,000 - $249,999.99 Super: $250,000 and up
Dividend Rate Annual Percentage Yield (APY) Dividend Rate Annual Percentage Yield (APY) Dividend Rate Annual Percentage Yield (APY)
18-Month Traditional IRA Certificate0.747%0.75%0.797%0.80%0.896%0.90%
1All rates, terms and conditions are subject to change without notice. Maintenance or activity fees associated with an account type could reduce earnings. A penalty may be imposed for early withdrawal. Refer to Disclosures for complete details.
select the row

18 Month Roth IRA Certificate105/27/2011
  Standard: $1,000 - $98,999.99 Jumbo: $99,000 - $249,999.99 Super: $250,000 and up
Dividend Rate Annual Percentage Yield (APY) Dividend Rate Annual Percentage Yield (APY) Dividend Rate Annual Percentage Yield (APY)
18-Month Roth IRA Certificate0.747%0.75%0.797%0.80%0.896%0.90%
1All rates, terms and conditions are subject to change without notice. Maintenance or activity fees associated with an account type could reduce earnings. A penalty may be imposed for early withdrawal. Refer to Disclosures for complete details.
select the row

18 Month SEP IRA Certificate105/27/2011
  Standard: $1,000 - $98,999.99 Jumbo: $99,000 - $249,999.99 Super: $250,000 and up
Dividend Rate Annual Percentage Yield (APY) Dividend Rate Annual Percentage Yield (APY) Dividend Rate Annual Percentage Yield (APY)
18-Month SEP IRA Certificate0.747%0.75%0.797%0.80%0.896%0.90%
1All rates, terms and conditions are subject to change without notice. Maintenance or activity fees associated with an account type could reduce earnings. A penalty may be imposed for early withdrawal. Refer to Disclosures for complete details.
select the row

36 Month Traditional IRA Certificate105/27/2011
  Standard: $5,000 - $98,999.99 Jumbo: $99,000 - $249,999.99 Super: $250,000 and up
Dividend Rate Annual Percentage Yield (APY) Dividend Rate Annual Percentage Yield (APY) Dividend Rate Annual Percentage Yield (APY)
36-Month Traditional IRA Certificate1.194%1.20%1.243%1.25%1.292%1.30%
1All rates, terms and conditions are subject to change without notice. Maintenance or activity fees associated with an account type could reduce earnings. A penalty may be imposed for early withdrawal. Refer to Disclosures for complete details.
select the row

36 Month Roth IRA Certificate105/27/2011
  Standard: $5,000 - $98,999.99 Jumbo: $99,000 - $249,999.99 Super: $250,000 and up
Dividend Rate Annual Percentage Yield (APY) Dividend Rate Annual Percentage Yield (APY) Dividend Rate Annual Percentage Yield (APY)
36-Month Roth IRA Certificate1.194%1.20%1.243%1.25%1.292%1.30%
1All rates, terms and conditions are subject to change without notice. Maintenance or activity fees associated with an account type could reduce earnings. A penalty may be imposed for early withdrawal. Refer to Disclosures for complete details.
select the row

36 Month SEP IRA Certificate105/27/2011
  Standard: $5,000 - $98,999.99 Jumbo: $99,000 - $249,999.99 Super: $250,000 and up
Dividend Rate Annual Percentage Yield (APY) Dividend Rate Annual Percentage Yield (APY) Dividend Rate Annual Percentage Yield (APY)
36-Month SEP IRA Certificate1.194%1.20%1.243%1.25%1.292%1.30%
1All rates, terms and conditions are subject to change without notice. Maintenance or activity fees associated with an account type could reduce earnings. A penalty may be imposed for early withdrawal. Refer to Disclosures for complete details.
select the row

48 and 60 Month Traditional IRA Certificates105/27/2011
  Standard: $10,000 - $98,999.99 Jumbo: $99,000 - $249,999.99 Super: $250,000 and up
Dividend Rate Annual Percentage Yield (APY) Dividend Rate Annual Percentage Yield (APY) Dividend Rate Annual Percentage Yield (APY)
48-Month Traditional IRA Certificate1.490%1.50%1.539%1.55%1.638%1.65%
60-Month Traditional IRA Certificate1.835%1.85%1.884%1.90%1.982%2.00%
1All rates, terms and conditions are subject to change without notice. Maintenance or activity fees associated with an account type could reduce earnings. A penalty may be imposed for early withdrawal. Refer to Disclosures for complete details.
select the row

48 and 60 Month Roth IRA Certificates105/27/2011
  Standard: $10,000 - $98,999.99 Jumbo: $99,000 - $249,999.99 Super: $250,000 and up
Dividend Rate Annual Percentage Yield (APY) Dividend Rate Annual Percentage Yield (APY) Dividend Rate Annual Percentage Yield (APY)
48-Month Roth IRA Certificate1.490%1.50%1.539%1.55%1.638%1.65%
60-Month Roth IRA Certificate1.835%1.85%1.884%1.90%1.982%2.00%
1All rates, terms and conditions are subject to change without notice. Maintenance or activity fees associated with an account type could reduce earnings. A penalty may be imposed for early withdrawal. Refer to Disclosures for complete details.
select the row

48 and 60 Month SEP IRA Certificates105/27/2011
  Standard: $10,000 - $98,999.99 Jumbo: $99,000 - $249,999.99 Super: $250,000 and up
Dividend Rate Annual Percentage Yield (APY) Dividend Rate Annual Percentage Yield (APY) Dividend Rate Annual Percentage Yield (APY)
48-Month SEP IRA Certificate1.490%1.50%1.539%1.55%1.638%1.65%
60-Month SEP IRA Certificate1.835%1.85%1.884%1.90%1.982%2.00%
1All rates, terms and conditions are subject to change without notice. Maintenance or activity fees associated with an account type could reduce earnings. A penalty may be imposed for early withdrawal. Refer to Disclosures for complete details.
select the row



It’s easy and safe to join online. Your membership is necessary prior to opening an IRA. Just click Membership to get started. During the new member application process, you can select the products you’re interested in. If you need assistance, please call a friendly Member Care Representative. We are here for you 24-hours a day at 866.295.6038.