IRA (Individual Retirement Account) Share/Savings

Put aside money for your retirement with an IRA from Journey Federal Credit Union. You can choose from several IRA options, including Roth and Educational.


Share Certificates

Certificates provide higher yields on your funds deposited with terms ranging from 6 months up to 60 months.


Share Certificates and IRA Certificates
Effective Date: Tuesday, March 19th, 2024
TermDividend RateAPY*
6 Month 3.928% 4.00%
12 Month 4.169% 4.25%
18 Month 3.687% 3.75%
24 Month 3.687% 3.75%
36 Month 3.687% 3.75%
48 Month 3.687% 3.75%
60 Month 3.687% 3.75%
1 Year Super Saver Certificate**   discontinued
No Penalty 14 Month**   discontinued
*APY = Annual Percentage Yield.
**Super Saver Certificate & No Penalty 14 Month Certificate no longer offered.
$500.00 minimum deposit for ALL Certificates except where otherwise disclosed. Early withdrawal penalties: 90 days interest forfeited on 12 months and under; 180 days interest forfeited on 18 and 24 months. 365 days interest forfeited for 36, 48 and 60 months. See disclosure on specific details on individual accounts. Rates and Terms are subject to change at any time.

FAQs


Roth IRA Questions

Share Certificate Questions

 

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