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Certificates of Deposits (CD) & IRAs

Certificates of Deposits (CDs)

Certificates of Deposit (CDs) are high-yielding, no-risk investments that give you a fixed rate of return for an extended period of time. Minimum balances start at $250.00 with terms ranging from six months to 3 years. Depending on your comfort level or saving style, you can choose to receive a higher yield by having the quarterly compounded dividends roll back into the certificate balance; or you can simply withdraw the dividends or transfer them into your account.

Certificate Rates
Effective Date: September 17, 2014
6 Month Certificate 0.50% 0.50%
1 Year Certificate 0.75% 0.75%
2 Year Certificate 1.00% 1.00%
3 Year Certificate 1.25% 1.26%
*APY = Annual Percentage Yield


It's never too early (or too late) to start building your retirement nest egg.  Working to build it can be a challenge, but we can help.  U.P. State Credit Union offers several types of IRA plans designed to fit your needs:

  • Traditional IRAs — This plan generates deferred earnings, which means you won’t owe any taxes until your money is withdrawn from the IRA.
  • Roth IRAs — This popular option provides after-tax savings for a tax-free income provided you hold the Roth IRA for at least five years and don’t take distributions before reaching age 59½.
  • Coverdale Education IRAs — (formerly known as Education IRA)
    The Coverdale Account allows up to $2,000 a year to be contributed for an individual. Contributions are not tax-deductible, but growth is tax-deferred. Distributions are excluded from income if used for qualifying education expenses.

IRA Rates
Effective Date: September 17, 2014
IRAs 0.50% 0.50%
*APY = Annual Percentage Yield.

National Credit Union Administration Equal Housing Lender
NCUA - Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government agency. Equal Housing Lender - We do business in accordance with the Fair Housing Law and Equal Opportunity Credit Act