IRA Share Account and IRA Certificate Rates
| Account | Dividend Rate | Annual Percentage Yield (APY) | Minimum Opening Balance | Minimum Balance to Earn APY |
|---|---|---|---|---|
| IRA Share | 0.200% | 0.20% | $200.00 | $200.00 |
| Term | Dividend Rates | Annual Percentage Yield (APY) |
|---|---|---|
| 7 Months² | 4.17% | 4.25% |
| 12 Months | 3.445% | 3.50% |
| 18 Months | 2.96% | 3.00% |
| 24 Months | 2.72% | 2.75% |
| 36 Months | 2.47% | 2.50% |
| 48 Months | 2.47% | 2.50% |
| 60 Months | 2.47% | 2.50% |
| Term | Dividend Rates | Annual Percentage Yield (APY) |
|---|---|---|
| 7 Months² | 4.17% | 4.25% |
| 12 Months | 3.445% | 3.50% |
| 18 Months | 2.96% | 3.00% |
| 24 Months | 2.72% | 2.75% |
| 36 Months | 2.47% | 2.50% |
| 48 Months | 2.47% | 2.50% |
| 60 Months | 2.47% | 2.50% |
Enjoy the freedom to prosper. If you have questions about IRA Share Account and IRA Certificate Rates, just give us a call at 609.538.4061 or 800.538.4061, email us at memberservices@cunj.org, or stop by one of our branches.
Rates effective May 1, 2025 and are subject to change without notice. Penalty for early withdrawal. Minimum balance required to obtain the APY. Fees could reduce earnings.
APY = Annual Percentage Yield. Rate is effective as of August 1, 2025, and is subject to change without notice. Penalty for early withdrawal may apply. Fees could reduce the earnings. A $5 Membership Account is required for this promotion. New money only. One certificate, business certificate or IRA certificate per person with a minimum deposit of $500 and a maximum deposit of $500,000. The 7-month certificate will renew as a 12-month certificate at the end of the 7-month period.
Membership has its discounts.
Enjoy savings at hundreds of retailers, restaurants and services.
Rates effective May 1, 2025 and are subject to change without notice. Penalty for early withdrawal. Minimum balance required to obtain the APY. Fees could reduce earnings.
APY = Annual Percentage Yield. Rate is effective as of August 1, 2025, and is subject to change without notice. Penalty for early withdrawal may apply. Fees could reduce the earnings. A $5 Membership Account is required for this promotion. New money only. One certificate, business certificate or IRA certificate per person with a minimum deposit of $500 and a maximum deposit of $500,000. The 7-month certificate will renew as a 12-month certificate at the end of the 7-month period.
