Individual Retirement Accounts

Long-term savings for your future.

Individual Retirement Accounts (IRAs) are safe, sound and secure long-term savings solutions that could provide unique tax advantages as you prepare for your retirement.*

DFCU offers traditional and Roth IRAs, and local experts who can review your IRA options with you and discuss which plan best fits your needs. IRA account balances may even qualify you for our Cash Back loyalty reward.

Roth IRA balances are added together with Traditional IRA balances, and this aggregate balance is insured by the NCUA up to $250,000 separately from your other DFCU Financial account balances.


Rates effective as of 8/15/2022

*Consult your tax advisor. This is for informational purposes only and it is not intended to be tax, legal or other professional advice.
2APY = Annual Percentage Yield. Paid and Compounded Monthly. Fees could reduce account dividend earnings. Dividend rate may change after the account is opened. Deposit account balance may increase your Cash Back. DFCU Financial deposit products are insured by the NCUA.

NCUA Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.


Unauthorized attempts to upload information and/or change information on this website is strictly prohibited and are subject to prosecution under the Computer Fraud and Abuse Act of 1986 and Title 18 U.S.C. Sec.1001 and 1030.

If you are using a screen reader or other auxiliary aid and are having problems using this website, please call 888-336-2700 for assistance. Also, all products, services and information available on this website are also available at any of our physical branches, where we would be happy to assist you further. Click here to view our Accessibility Statement.

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While the DFCU Financial Board of Directors intends to pay Cash Back every year, and has done so since 2007, Cash Back is not guaranteed and will depend on our financial performance and other factors. Annual Cash Back payments are limited to an aggregate of $25,000 for each tax-reported owner. The IRS requires that Cash Back for an IRA be paid to the same IRA, and that it be open when Cash Back is deposited. Cash Back to Commercial / Business Banking members is subject to additional terms. Anyone who causes DFCU Financial a loss for any reason is not eligible for Cash Back.