IRA Rates
| Product | Interest Rate | Annual Percentage Yield* | Compounded | Minimum Deposit to Open | Minimum to Obtain APY |
|---|---|---|---|---|---|
| 6 Month IRA | 3.200% | 3.250% | Monthly | $500 | $500 |
| 7 Month IRA | 3.690% | 3.750% | Monthly | $500 | $500 |
| 9 Month IRA | 1.489% | 1.500% | Monthly | $500 | $500 |
| 12 Month IRA | 3.570% | 3.625% | Monthly | $500 | $500 |
| 15 Month IRA | 1.489% | 1.500% | Monthly | $500 | $500 |
| 18 Month IRA | 3.320% | 3.375% | Monthly | $500 | $500 |
| 24 Month IRA | 3.320% | 3.375% | Monthly | $500 | $500 |
| 30 Month IRA | 1.489% | 1.500% | Monthly | $500 | $500 |
| 48 Month IRA | 3.930% | 4.000% | Monthly | $500 | $500 |
| 60 Month IRA | 3.930% | 4.000% | Monthly | $500 | $500 |
*Annual Percentage Yield (APY). Assumes continuous re-investment of both interest and principal at the original interest rate for a period of one year. Contact URSB for full disclosure. Rates effective as of 9/18/2025 and are subject to change without notice. URSB may impose a penalty on a CD IRA account if you withdraw any of the principal before maturity date.**Fees may reduce earnings.
