Individual Retirement Accounts

Traditional IRA - Traditional IRA is a special tax-favored share account. It allows for tax-deductible contributions for many people. Most important, earnings are not taxed until you begin to withdraw from your IRA.

Rollover IRA - The rollover IRA account is an effective option for moving funds from other IRAs or from qualified pension plans. Take advantage of the security and high term share certificate account rates at BFCU as you retire or change jobs and move money from company sponsored 401Ks and other qualified plans.

Roth IRA - A Roth IRA is one of the most exciting IRA options available today. While contributions to your Roth IRA are not tax deductible, the best part about owning a Roth IRA is what happens when you withdraw from the account. Neither your contributions nor the investment gains/earnings are subject to federal income tax. As long as certain conditions are met, everything in a Roth IRA is paid out tax-free and penalty-free.

Table data for Share Account
Rates Effective 08-16-2018
	Dividend Rate	APY
Secondary Share Accounts include Real Estate Suspense, Insurance, IRA Share, and VISA Autopay	0.50%	0.50%

The minimum balance required to open a Share Account and IRA Share Account is $25.00. IRA (Individual Retirement Account). APY (Annual Percentage Yield). Dividends are compounded and credited monthly and are paid at the stated rates on any amount on deposit according to the dividend calculation method in the account disclosure. Rates are subject to change at any time.

Table data for Tiered Rate Money Market Account (MMDA) and IRA MMDA
Rates Effective 08-16-2018
Account Balance	Dividend Rate	APY
$0.00 - $2,499.99	0.25%	0.25%

$2,500 - $9,999.99	0.60%	0.60%

$10,000 - $24,999.99	0.80%	0.80%

$25,000 - $49,999.99	1.00%	1.00%

$50,000 +	1.65%	1.66%

All of the dividend rates and APYs (Annual Percentage Yield) stated above are variable rate accounts and are subject to change at any time. IRA (Individual Retirement Account) $2,500 is the minimum balances required to open a MMDA and IRA MMDA. Dividends are compounded and credited monthly and are paid at the stated rates on any amount on deposit according to the dividend calculation method in the account disclosure.

Table data for Term Share Certificate Account (CD) and IRA CD
Rates Effective 08-16-2018
Term	Regular Dividend Rate	APY	Jumbo Dividend Rate¹	APY
6 Months	1.30%	1.31%	1.55%	1.56%

1 Year	1.50%	1.51%	1.75%	1.76%

2 Years	1.90%	1.92%	2.15%	2.17%

3 Years	2.10%	2.12%	2.35%	2.38%

4 Years	2.20%	2.22%	2.45%	2.48%

5 Years	2.30%	2.32%	2.55%	2.58%

APY (Annual Percentage Yield). The minimum balance required to open a Term Share Certificate Account is $1,000. Early withdrawal penalties apply. Dividends are compounded and credited monthly and are paid at the stated rates on any amount on deposit according to the dividend calculation method in the account disclosure. IRA (Individual Retirement Account)
¹Members investing $100,000 or more in aggregate Term Share Certificate Account balances will receive a Jumbo Dividend Rate of .25% over our Regular Dividend Rate for the term of investment. Existing Term Share Certificate Accounts will retain their current rate, and the Jumbo Dividend Rate will be applied to all future Term Share Certificate Accounts opened and rolled over after January 1, 2009. Early withdrawal penalties apply. Dividends are compounded and credited monthly and are paid at the stated rates on any amount on deposit according to the dividend calculation method in the account disclosure.↵

Individual Retirement Accounts

For Direct Deposit

Checking & Savings

For Direct Deposit