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The sooner you start saving for retirement, the more money you’ll have later when you need it. Dupaco helps you reach your retirement savings goals faster because there is no maintenance fee on our IRAs and our rates are among the area’s best.

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Types of IRAs

Dupaco offers Traditional, Roth and Simplified Employee Pension (SEP) IRAs*. We have fixed-rate or variable-rate investment options for each. If you’re not sure which one suits you best, just give us a call. We’ll answer all your questions and help you figure out a plan that puts your retirement goals within reach.

*Please see employer or tax advisor for eligibility and requirements.

IRA Share Certificate (Fixed Rate)

  • $1,000 minimum to open
  • 18, 36 or 60-month term
  • Dividends compounded semi-annually
  • Rate guaranteed for the term of the certificate

IRA Share Account (Variable Rate)

  • $1,000 minimum to open
  • No set term for individuals over 59 1/2 years old.
  • Rate is declared and paid semi-annually
  • Contribute funds up to the maximum limits allowed by law

Your Dupaco IRA deposits are federally insured for up to $250,000 by the National Credit Union Administration (NCUA).

Current Rates

TermDividend RateAnnual Percentage Yield (APY)Min. to Earn
Roth: 7 Month Fixed Jumbo Special4.84%4.90%1$100,000
Traditional: 7 Month Fixed Jumbo Special4.84%4.90%1$100,000
Roth: 7 Month Fixed Special4.74%4.80%2$1,000
Traditional: 7 Month Fixed Special4.74%4.80%2$1,000
Roth: 19 Month Fixed Jumbo Special4.30%4.35%1$100,000
Traditional: 19 Month Fixed Jumbo Special4.30%4.35%1$100,000
Roth: 19 Month Fixed Special4.20%4.25%2$1,000
Traditional: 19 Month Fixed Special4.20%4.25%2$1,000
Rates are effective as of 3/4/2024 and are subject to change without notice.

1Fixed Jumbo Special Rate: Minimum amount required to open any Fixed IRA Jumbo Special certificate is $100,000. The dividend rate and annual percentage yield (APY) may change. Dividends begin to accrue on the business day you deposit non-cash items (for example, checks). Dividends will be compounded semi-annually and will be credited to the account semi-annually. Dividends on your account will be credited by adding the dividends to the principle. The annual percentage yield assumes dividends will remain on deposit until maturity. A penalty will be imposed for early withdrawal. Fees may reduce earnings.
2Fixed Special Rate: Minimum amount required to open any Fixed IRA special certificate is $1,000. The dividend rate and annual percentage yield (APY) may change. Dividends begin to accrue on the business day you deposit non-cash items (for example, checks). Dividends will be compounded semi-annually and will be credited to the account semi-annually. Dividends on your account will be credited by adding the dividends to the principle. The annual percentage yield assumes dividends will remain on deposit until maturity. A penalty will be imposed for early withdrawal. Fees may reduce earnings.
TermDividend RateAnnual Percentage Yield (APY)Min. to Earn
Traditional: 60 Months1.30%1.30%3
$1,000
Roth: 60 Months1.30%1.30%3
$1,000
Traditional: 36 Months1.00%1.00%3
$1,000
Roth: 36 Months1.00%1.00%3
$1,000
Traditional: 18 Months0.70%0.70%3
$1,000
Roth: 18 Months0.70%0.70%3
$1,000
Rates are effective as of 7/1/2023 and are subject to change without notice.

3Fixed IRA Rates: Dividends and annual percentage yields (APY) accurate as of the last dividend declaration date. A penalty may be incurred for early withdrawals. Fees may reduce earnings.
BalanceDividend RateAnnual Percentage Yield (APY)1Min. to Earn
Traditional: $15,000+0.70%0.70%$15,000
Roth: $15,000+0.70%0.70%$15,000
Traditional: $5,000-$14,999.990.60%0.60%$5,000
Roth: $5,000-$14,999.990.60%0.60%$5,000
Traditional: $1,000-$4,999.990.50%0.50%$1,000
Roth: $1,000-$4,999.990.50%0.50%$1,000
Rates are effective as of 01/01/2023 and are subject to change without notice.

1Variable IRA Rates: Dividends and annual percentage yields accurate as of the last dividend declaration date. The dividend rate and annual percentage yield may change after account opening. Fees could reduce earnings on the account. A penalty will be imposed for early withdrawal.

Open your IRA

We’re right here to help you get started! Just stop into any Dupaco branch or give us a call at 800-373-7600, ext. 218.

Don’t have $1000 to invest in an IRA?

Choose Launchpad, instead! It’s a special account that helps you establish and grow your retirement savings at your own pace until you’re ready to open an IRA.

See how it works

Resources to help you secure your retirement
5 ways SECURE 2.0 Act could impact your retirement savings

5 ways SECURE 2.0 Act could impact your retirement savings

A new law could impact how you save and take out money for your retirement. You’ll want to know these five things from the SECURE 2.0 Act.
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Can a term-share certificate help boost your savings?

Can a term-share certificate help boost your savings?

Trying to earn more as you save for retirement? A term-share certificate can be a great way to do that. Learn how certificates work and what to consider.
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