IRA Rates
| Product | Interest Rate | Annual Percentage Yield* | Compounded | Minimum Deposit to Open | Minimum to Obtain APY |
|---|---|---|---|---|---|
| 6 Month IRA | 2.960% | 3.000% | Monthly | $500 | $500 |
| 7 Month IRA | 2.960% | 3.000% | Monthly | $500 | $500 |
| 9 Month IRA | 2.960% | 3.000% | Monthly | $500 | $500 |
| 12 Month IRA | 2.960% | 3.000% | Monthly | $500 | $500 |
| 15 Month IRA | 2.960% | 3.000% | Monthly | $500 | $500 |
| 18 Month IRA | 2.960% | 3.000% | Monthly | $500 | $500 |
| 24 Month IRA | 2.960% | 3.000% | Monthly | $500 | $500 |
| 30 Month IRA | 3.445% | 3.500% | Monthly | $500 | $500 |
| 48 Month IRA | 4.169% | 4.250% | Monthly | $500 | $500 |
| 60 Month IRA | 4.169% | 4.250% | 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 12/11/2025 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.
