IRA Rates

Quoted rates and terms effective 5/01/2026 and subject to change. Contact us for more details to see how our rates are determined and find out how much your relationship with AHCU can save you!

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IRAs

If You Are Already a Member

You can log into online banking, click (+) add account and then open a new savings account or request any other service you need. It’s the fastest and easiest way!

IRA CDs
Term	Rate	APY*	Min $
6, 12, 18, 24, 36 and 48 Months	3.55%	3.60%	$1,000
60 Month	4.04%	4.10%	$1,000

*APY = Annual Percentage Yield.
- A 90-day penalty of dividends applies to the 6 and 12 month certificates for early withdrawal. A 180-day penalty of dividends applies to the 18, 24, 36, 48 and 60 month certificates for early withdrawal.
- Terms listed are based on the required minimum deposit with all dividends paid quarterly to the certificate. The APY may vary if dividends are paid to any other account.

IRA Money Market Accounts

Money Market Rates and Specials
Minimum	Rate	APY*
$2,500	1.97%	2.00%
$50,000	2.22%	2.25%
$100,000	2.47%	2.50%
$200,000	2.72%	2.75%

- Dividends are compounded monthly for all money market accounts
- Non-IRA money market accounts below $2,500 accessed $10.000 fee
- All money market accounts below $2,500 will earn 0.05% APY*

If You Are Already a Member

You can log into online banking, click (+) add account and then open a new savings account or request any other service you need. It’s the fastest and easiest way!

More IRA Details

Open an Account

Do you need an IRA CD or Money Market?
Feature	IRA CD	IRA Money Market*
Fixed Rate	Yes	No
Liquidity	Lower	Higher
APY Stability	High	Variable
Best For	Long-term savers	Flexible access

IRA Rates

If You Are Already a Member

IRA CDs

IRA Money Market Accounts

If You Are Already a Member

Do you need an IRA CD or Money Market?