Best IRA CD Rates
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Credit unions still offer the best IRA rates. Take for example the NIH Federal Credit Union which, as of November 9, 2009, offers very competitive 7 month IRAs.
Depending on the amount of your minimum deposit, you could earn as much as 3.00%APY. For a 7 month term IRA, NIH Federal Credit Union offers the following IRA rates:
- 7 month (minimum balance of $500) – 1.55%APY
- 7 month (minimum balance of $10,000) – 1.95%APY
- 7 month (minimum balance of $10,000 with direct deposit) – 3.00%APY
- 7 month (minimum balance of $10,000 without direct deposit) – 2.75%APY
NIH Federal Credit Union has locations in Maryland, the District of Columbia and Virginia. It is a non-profit cooperative offering membership shares in the form of savings deposits.
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Golf Savings Bank offers competitive IRA rates including Traditional and ROTH IRAs for transfer or rollover. Sometime in 2009, Golf Savings Bank offered a 4 year IRA account at 3.40%APY, its highest IRA rate offer before the year ends.
As of January 15, 2009, the 4 year IRA rate is down to only 2.65%APY. This is quite a big drop but there is hope as most economists expect the Federal Reserve will stop driving interest rates to record lows sometime this year with June often mentioned as a good month for the turnaround.
According to its rate sheet, Golf Savings Bank rate on IRA accounts including Traditional and ROTH IRAs as of January 15, 2009 are as follows:
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Tired of the low bank rates? Try credit unions. Credit unions offer a much better rate as members are their top priority.
For example, Lake Michigan Credit Union is offering an IRA Money Market Savings at 2.750%APY. This IRA Money Market Savings APY is effective as of January 1, 2010 but subject to change.
The credit union has 27 locations in the West Michigan area and boost itself of 150,000 members.
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