Rates are subject to change after account opening. Join Today. Dividend Rates (Rates) and Annual Percentage Yields (APYs) are the anticipated rates and yields for the current period and are variable, meaning they can change without notice until a specific certificate is opened. This alternate website is not operated by Educators Credit Union. IRA earnings are sheltered from taxes—allowing your money to grow faster than funds in an ordinary savings account. OAC. * This is an important advantage over accounts that “lock in’ your funds until maturity. Length of term for dividend compounding, dividend crediting, and dividend period. 0.25%. Collapse Individual Retirement Account - IRA Rates APY rates below effective 12/1/2020* $500 - $49,999.99 $50,000 - $99,999.99 $100,000 + 12 Month IRA CD with Member Advantage: 0.30%: 0.35%: 0.35%: 12 Month IRA CD: 0.05%: 0.10%: 0.10%: 24 Month IRA CD with Member Advantage: 0.30%: 0.35%: 0.35%: 24 Month IRA CD: 0.05%: 0.10% : 0.10%: See Account Disclosure for details. ECU offers a three types of IRAs: Traditional IRA - A traditional IRA is a way to save for retirement that gives you tax advantages. Educators does not represent either the third party or the member if the two enter into a transaction. Maximum Business Checking Rates. The IRA Share Savings Account is a variable rate, dividend-bearing account offering you the ability to earn, while providing you the ability to manage your retirement money. But the money you contribute to your Roth IRA can be withdrawn tax-free at any time. Contributions can be withdrawn at any time, without penalty. Traditional IRA A powerful tool in creating a balanced, long-term savings plan. Check them out here. IRA Rollover Information. Rates are subject to change without notice. Rates start at listed percentages. IRA Share Certificates are also available and offer the same rates and terms as our Traditional and Jumbo Share Certificates. At ETFCU, our IRAs feature great rates and no set-up or annual fees. Deposits may be tax deductible, and your investment grows with tax deferred interest. *If your money market account’s average daily balance for a calendar month is less than $2,500.00, no dividend will be earned for that month and your account will be assessed a service charge (fee) of $5.00 at the beginning of the next month. Business Savings Rates. Fees may reduce earnings. 2 A service fee of $ will be charged if the account balance falls below $25. Second Mortgage Loans. Business Checking with Interest Rates. The earlier you begin, the larger your nest egg will grow. Investment Certificate Rates. It's easy! IRA Rates. Eastman Credit Union is headquartered in Kingsport and is the largest credit union in the state of Tennessee. CalcXML's IRA Calculator will help you determine if you are eligible and how much you and your spouse can contribute to either a Traditional IRA or a Roth IRA. Use this … You are now leaving Educators Credit Union’s website www.ecu.com. Join the ECU family now. Dividends are paid monthly on all accounts. A penalty will be imposed for CD withdrawals made before maturity. For all IRA rollovers sent by check, please send them to the attention of ECU’s IRA Department. ²Annual Percentage Yield (APY). IRA Rates. TERM MAXIMUM AMOUNT FINANCED APR† RATE; 15 year - 5 year call: 80% combined loan to value: 4.734%** 4.49%: 10 year - fixed: 90% combined loan to value: 4.24%: 4.00%: 10 … About. 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