Traditional and Roth IRAs

Guaranteed return & federally insured

Enjoy flexibility with higher yields.
Enjoy rates higher than the IRA Share Account when you keep a balance of at least $2,000.

Consult with a tax adviser to determine what options may be best for you in your unique situation.

Traditional and Roth IRAs Rates effective 09-28-2016
	Dividend Rate	APY¹	Alert Me
IRA Share Account (min. bal. $1)	0.20%	0.20%

IRA Money Market (min. bal. $2,000)	Dividend Rate	APY¹	Alert Me
Balance less than $2,000.00	0.00%	0.00%

$2,000.00 - $9,999.99	0.25%	0.25%

$10,000.00 - $24,999.99	0.40%	0.40%

$25,000.00 - $49,999.99	0.40%	0.40%

$50,000.00 - $74,999.99	0.45%	0.45%

$75,000.00 - and over	0.55%	0.55%

IRA Certificates (min. bal. $500)	Dividend Rate	APY	Alert Me
6 Month	0.55%	0.55%

12 Month	0.70%	0.70%

18 Month	0.95%	0.95%

30 Month	1.19%	1.20%

60 Month	1.83%	1.85%

¹IRA. APY = Annual Percentage Yield. The minimum to open this account is $1.00 (for the IRA Share Account) and $2,000 (for the IRA Money Market Account). For this type of account, the dividend period is monthly, for example, the beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is January 31. All Other dividend periods follow this same pattern of dates. The dividend declaration is the last day of the dividend period, and for the example above is January 31. If you close your account before dividends are paid, you will not receive the accrued dividend. Your funds at Hanscom FCU are federally insured up to at least $250,000 by the National Credit Union Administration (NCUA), an agency of the federal government. Please refer to the Disclosure for Personal Accounts for more information.

Consult with a tax adviser to determine what options may be best for you in your unique situation.