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Individual Retirement Accounts

When you’re saving for something special

When you are planning for retirement, MyPoint Credit Union has accounts specially designed to help keep you on track to achieve your goals. The best part—you don’t have to do it alone. We have expert Team Members and Partners who can sit down with you and map out the best course for your San Diego IRA investment to help you reach financial success.

Our Credit Union's Individual Retirement Account Certificate Rates

Period of Investment Dividend Rate APY* Minimum Investment When Dividend Paid
7 months 3.60% 3.67% $1,000.00 Monthly
8 months 4.25% 4.34% $1,000.00 Maturity
1 year 3.95% 4.03% $50.00 Monthly
13 months 3.10% 3.15% $1,000.00 Monthly
13 months LIQUID*** 3.00% 3.05% $1,000.00 Monthly
18 months 3.03% 3.08% $1,000.00 Monthly
2 years 2.89% 2.93% $1,000.00 Quarterly
3 years 2.98% 3.02% $1,000.00 Quarterly
4 years 2.98% 3.02% $1,000.00 Quarterly
5 years 2.98% 3.02% $1,000.00 Quarterly

We offer Traditional, Roth, and Transfer IRA Certificates. Make an appointment with a specialist to determine which is best for you.

Have questions?

Rates effective
*Annual Percentage Yield

***LIQUID has penalty-free withdrawals (up to 6 per month) and deposits and no maximum balance.
Annual Percentage Yields are anticipated rates and are accurate as of . Fees could reduce earnings on accounts. See our Membership Account Agreement and Disclosure for more information. All dividend rates are subject to change at any time. Penalties may be imposed for early withdrawal of term deposits (e.g., certificates).
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