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Calculate dividends

 

Rates reflect dividends for the period of January 1, 2023 - March 31, 2023. For updated information, inquire at any FedChoice Financial Service Center location or contact our Member Care Center at 301.699.6151 • 800.969.6151.

IRA Share Account
Choose From Traditional IRA * Roth IRA * SEP IRA
Type of Account Minimum Opening
Balance		 Minimum Daily
Balance to Earn
Declared Rate		 APY*
ROTH, SEP, 
Traditional IRA
Share Accounts		 $100.00 $100.00 to
$1,500.00		 0.25%
  $1,500.01 $1,500.01 to
$20,000.00		 0.35%
  $20,000.01 $20,000.01
and above		 0.45%

Dividends Compounded and Credited: Monthly. Dividends are paid from current income and available earnings, after required transfers to reserves, after the end of the dividend period. Balance Method: Average Daily Balance Limitations: Refer to Member Services Agreement. *Fees: Refer to Service Fees.

*Any APY (Annual Percentage Yield) provided in this disclosure assumes dividends will remain on deposit until maturity for accounts with terms, or for at least one year for accounts with no terms. A withdrawal will reduce earnings. Rates for variable-rate accounts are in effect through the period disclosed. See your account disclosure for additional information about your account.

All rates subject to change without notice. Please call the Credit Union to confirm posted rates. Your savings are insured up to $500,000. The first $250,000 per member is insured by the National Credit Union Association (NCUA), a U.S. Government Agency, with an additional $250,000 of coverage provided by Excess Share Insurance Corporation (ESI), a private corporation.

Coverdell ESA Share Account rates reflect dividends for January 1, 2023 to March 31, 2023. For updated information, inquire at any FedChoice Financial Service Center location or contact our Financial Advisory Center at 301.699.6151/800.969.6151.

Coverdell ESA Share Account Rates
Type of Account Minimum Opening
Balance		 Minimum Daily
Balance to Earn
Declared Rate		 APY*
Coverdell Education
Savings Account		 $100.00 $100.00 to
$1,500.00		 0.25%
  $1,500.01 $1,500.01 to
$20,000.00		 0.35%
  $20,000.01 $20,000.01
and above		 0.45%

Dividends Compounded and Credited: Monthly. Dividends are paid from current income and available earnings, after required transfers to reserves, after the end of the dividend period. Balance Method: Average Daily Balance Limitations: Refer to Member Services Agreement. *Fees: Refer to Service Fees.

*Any APY (Annual Percentage Yield) provided in this disclosure assumes dividends will remain on deposit until maturity for accounts with terms, or for at least one year for accounts with no terms. A withdrawal will reduce earnings. Rates for variable-rate accounts are in effect through the period disclosed. See your account disclosure for additional information about your account.

All rates subject to change without notice. Please call the Credit Union to confirm posted rates. Your savings are insured up to $500,000. The first $250,000 per member is insured by the National Credit Union Association (NCUA), a U.S. Government Agency, with an additional $250,000 of coverage provided by Excess Share Insurance Corporation (ESI), a private corporation.

Term Individual Retirement Account rates reflect dividends for June 1, 2022 to June 30, 2022. For updated information, inquire at any FedChoice Financial Service Center location or contact our Financial Advisory Center at 301.699.6151/800.969.6151.

Term Individual Retirement Account rates reflect dividends for January 1, 2023 to January 31, 2023. For updated information, inquire at any FedChoice Financial Service Center location or contact our Financial Advisory Center at 301.699.6151/800.969.6151.

IRA Term Certificates
Choose From Traditional IRA * Roth IRA * SEP IRA  
Term Minimum Opening
Balance		 Dividends Compounded /
Credited		 APY* Earn More
APY*
18 Month†
IRA		 $500 Monthly 3.85% 4.10%
18 Month†
IRA Mini-Jumbo		 $50,000 Monthly 3.90% 4.15%
18 Month†
ROTH IRA		 $500 Monthly 3.85% 4.10%
18 Month†
ROTH IRA Mini-Jumbo		 $50,000 Monthly 3.90% 4.15%
18 Month†
SEP IRA		 $500 Monthly 3.85% 4.10%
18 Month†
SEP IRA Mini-Jumbo		 $50,000 Monthly 3.90% 4.15%
60 Month†
IRA		 $500 Monthly 4.45% 4.70%
60 Month†
IRA Mini-Jumbo		 $50,000 Monthly 4.50% 4.75%
60 Month†
ROTH IRA		 $500 Monthly 4.45% 4.70%
60 Month†
ROTH IRA Mini-Jumbo		 $50,000 Monthly 4.50% 4.75%
60 Month†
SEP IRA		 $500 Monthly 4.45% 4.70%
60 Month†
SEP IRA Mini-Jumbo		 $50,000 Monthly 4.50% 4.75%

Dividends Compounded and Credited: Monthly. Dividends are paid from current income and available earnings, after required transfers to reserves, after the end of the dividend period. Balance Method: Average Daily Balance Limitations: Refer to Member Services Agreement. *Fees: Refer to Service Fees.

*Any APY (Annual Percentage Yield) provided in this disclosure assumes dividends will remain on deposit until maturity for accounts with terms, or for at least one year for accounts with no terms. A withdrawal will reduce earnings. Rates for variable-rate accounts are in effect through the period disclosed. See your account disclosure for additional information about your account.

**The Earn More rate is applied to certificates opened by members who have open checking accounts. If you do not have a checking account, the lower "standard" rate will apply. If you open a checking account after a certificate is opened, the Earn More rate will apply only when the certificate renews.

Please keep in mind, if you open a FedChoice checking account after the certificate was opened, the higher dividend rate will only apply when the certificate renews. Similarly, if you already have a FedChoice checking account and FedChoice certificates, the new higher dividend rate will only apply once the certificate renews.

All rates subject to change without notice. Please call the Credit Union to confirm posted rates. Your savings are insured up to $500,000. The first $250,000 per member is insured by the National Credit Union Association (NCUA), a U.S. Government Agency, with an additional $250,000 of coverage provided by Excess Share Insurance Corporation (ESI), a private corporation.

Coverdell ESA Share Certificate rates reflect dividends for January 1, 2023 to March 31, 2023. For updated information, inquire at any FedChoice Financial Service Center location or contact our Financial Advisory Center at 301.699.6151/800.969.6151.

Coverdell ESA Share Certificate
Term Minimum Opening
Balance		 Dividends Compounded / 
Credited		 APY* Earn More
APY**
18 Month† $250.00 Monthly 3.85% 4.10%

Dividends Compounded and Credited: Monthly. Dividends are paid from current income and available earnings, after required transfers to reserves, after the end of the dividend period. Balance Method: Average Daily Balance Limitations: Refer to Member Services Agreement. *Fees: Refer to Service Fees.

*Any APY (Annual Percentage Yield) provided in this disclosure assumes dividends will remain on deposit until maturity for accounts with terms, or for at least one year for accounts with no terms. A withdrawal will reduce earnings. Rates for variable-rate accounts are in effect through the period disclosed. See your account disclosure for additional information about your account.

**The Earn More rate is applied to certificates opened by members who have open checking accounts. If you do not have a checking account, the lower "standard" rate will apply. If you open a checking account after a certificate is opened, the Earn More rate will apply only when the certificate renews.

All rates subject to change without notice. Please call the Credit Union to confirm posted rates. Your savings are insured up to $500,000. The first $250,000 per member is insured by the National Credit Union Association (NCUA), a U.S. Government Agency, with an additional $250,000 of coverage provided by Excess Share Insurance Corporation (ESI), a private corporation.