IRA Money Market Account

Set Your Course for Safer, Higher Earnings!

 

Traditional and Roth IRA Money Market Rates1

Minimum Deposit Rate APY
$50,000.00 - UP 2.227% 2.25%
$25,000.00 - $49,999.99 2.129% 2.15%
$10,000.00 - $24,999.99 1.932% 1.95%
$2,000.00 - $9,999.99 1.736% 1.75%
1All rates are subject to change. The balance ranges, corresponding dividend rates and annual percentage yields applicable to each tier are disclosed in the Rate Schedule. 
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  • Competitive, tiered rates — higher balances earn higher rates 
  • Enjoy flexibility with enhanced access to funds
  • No monthly service fee
  • Avoid account closing by maintaining a $2,000 minimum daily balance 
  • Manage your IRA account through the Trax Online IRA Management Portal
  • Free telephone banking
  • $2,000 minimum deposit to open

Estimate your savings with our savings goal calculator!

 

We are pleased to inform you that IRA Accounts in Trax Credit Union are insured up to $1,000,000. This exceptional level of coverage is attained through a combination of federal insurance provided by the National Credit Union Administration (NCUA) and private insurance from Excess Share Insurance Corporation (ESI).

NCUA’s basic federal coverage insures credit union members’ deposits up to $250,000. For details about federal deposit insurance, or how to structure your accounts to qualify for greater federal coverage, please contact Trax at 813-800-8729 or contact the NCUA. Accounts exceeding the maximum level of coverage provided by NCUA ($250,000) are also insured up to an additional $750,000 by ESI.

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Plan your retirement with our retirement planner calculator and estimate your savings with our savings goal calculator!

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All rates are subject to change. IRA Money Management accounts (IRA MMA) are tiered rate accounts. The balance ranges, corresponding dividend rates and annual percentage yields applicable to each tier are disclosed in the Rate Schedule. For IRA MMA’s, once a particular range is met, the dividend rate and annual percentage yield for that balance range will apply to the full balance of your account. A minimum balance of $2000.00 must be maintained to earn dividends. IRA accounts are insured up to $1,000,000.00. This level of coverage is provided by the combination of National Credit Union Administration (NCUA) coverage of $250,000 and private insurance from Excess Share Insurance Corporation (ESI) coverage of $750,000.

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