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IRA Rates

All rates are as of Jun 24, 2018 and are subject to change without notice. Certain conditions and restrictions may apply. Please call 1-888-4WESCOM (1-888-493-7266) for details and current rates.


Certificate Accounts Min. Balance Div. Rate APY
Both Roth and Traditional IRAs
3-Month IRA (90 to 179 days) $500 0.80% 0.80%
6-Month IRA (180 to 364 days) $500 1.19% 1.20%
7-Month Certificate*** $500 1.98% 2.00%
12-Month IRA (12 to 17 months) $500 1.44% 1.45%
18-Month IRA (18 to 23 months) $500 1.64% 1.65%
24-Month IRA (24 to 35 months) $500 1.83% 1.85%
36-Month IRA (36 to 47 months) $500 2.18% 2.20%
48-Month IRA (48 to 59 months) $500 2.47% 2.50%
60-Month IRA (60 months) $500 2.66% 2.70%
Transitional IRA* (IRA ONLY) $500 1.54% 1.55%

Penalty for Early Withdrawal.

IRA Tier Plus Money Market Div. Rate APY
$1 - $9,999 $1 0.15% 0.15%
$10,000 - $24,999 $10,000 0.15% 0.15%
$25,000 - $49,999 $25,000 0.20% 0.20%
$50,000 - $99,999 $50,000 0.25% 0.25%
$100,000 + $100,000 0.30% 0.30%
IRA Asset Maximizer** Div. Rate APY
$1 - $9,999 $1 0.25% 0.25%
$10,000 - $24,999 $10,000 0.25% 0.25%
$25,000 - $49,999 $25,000 0.30% 0.30%
$50,000 - $99,999 $50,000 0.35% 0.35%
$100,000 + $100,000 0.40% 0.40%

APY = Annual Percentage Yield. Rates subject to change without notice.

*The Transitional IRA is for new deposits received from a Qualified Retirement Plan, such 401(k) and 403(b) accounts, or an IRA from another institution. This account lets you deposit those funds for three (3) months, while you examine the options that best fit your long-term needs.

**Must maintain the required minimum balance of $10,000 in the Qualifying Wescom Financial Services Investment Account (QWFSIA) in order for the IRA AMA to obtain the increased dividend rate stated above. If the QWFSIA balance falls below $10,000, the AMA will convert to a Tier Plus Money Market Account and will earn the applicable dividend.

***APY effective as of June 1, 2018 to June 30, 2018 and is subject to change or end without notice. Minimum deposit is $500 and the maximum deposit is $250,000. Certificate must be opened with new money (funds not already on deposit with Wescom Credit Union, its divisions, or subsidiaries) from another financial institution through ACH transfer or check deposit. Funds will be held for 65 days before a withdrawal can be made when using ACH transfer. There is a penalty for early withdrawal. If members choose not to renew after the Certificate matures, it will roll over to a 6-Month Certificate. Fees or other conditions could reduce earning on any of the listed accounts. Limit one Certificate per member. Signature Membership bonus does not apply.