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 certificate and IRA savings 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.

3 month

Tier APY and Dividend Rate1
$1,000 to $24,999 0.15%
$25,000 to $99,999 0.20%
$100,000 and up 0.25%

6 month

Tier APY and Dividend Rate1
$1,000 to $24,999 0.20%
$25,000 to $99,999 0.25%
$100,000 and up 0.30%

1 year

Tier APY and Dividend Rate1
$1,000 to $24,999 0.25%
$25,000 to $99,999 0.30%
$100,000 and up 0.35%

2 year

Tier APY and Dividend Rate1
$1,000 to $24,999 0.35%
$25,000 to $99,999 0.40%
$100,000 and up 0.50%

3 year

Tier APY and Dividend Rate1
$1,000 to $24,999 0.40%
$25,000 to $99,999 0.45%
$100,000 and up 0.60%

5 year

Tier APY and Dividend Rate1
$1,000 to $24,999 0.80%
$25,000 to $99,999 0.90%
$100,000 and up 1.00%

Rates effective as of 1/24/2018

APY and Dividend Rate2

Rates effective as of 1/24/2018

*Consult your tax advisor. This is for informational purposes only and it is not intended to be tax, legal or other professional advice.
1APY = Annual Percentage Yield. Paid and Compounded Monthly. Rates subject to change without notice at any time. Penalties may apply for early withdrawals. 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.

DFCU Financial - Copyright © 2018 - Dearborn, Michigan - All rights reserved

While the DFCU Financial Board of Directors intends to pay Cash Back every year, and has done so since 2006, 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 account, and that it be open when Cash Back is deposited. Cash Back to Business Banking members is subject to additional terms. Anyone who causes DFCU Financial a loss for any reason is not eligible for Cash Back.