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  IRAs

First Choice America prides itself on having competitive IRA rates to meet our members' needs.  We offer traditional and Roth IRAs and Coverdell Education Savings Accounts.

The annual percentage yields are accurate as of 

August 2, 2018

Term

Rate

APY

Early Withdrawal Penalty

91 day

.60%

.60%

90 days dividend penalty

6 month

.65%

.65%

90 days dividend penalty
7 month .70% .70% 180 days dividend penalty
9 month .80% .80%

180 days dividend penalty

12 month

.90%

.90%

180 days dividend penalty

15 month

1.05%

1.06%

180 days dividend penalty

18 month

1.00%

1.00%

180 days dividend penalty

24 month

1.05%

1.06%

180 days dividend penalty

25 month

1.20%

1.21%

180 days dividend penalty

30 month

1.15%

1.16%

180 days dividend penalty

36 month

1.20%

1.21%

180 days dividend penalty

39 month

1.35%

1.36%

180 days dividend penalty

48 month

1.35%

1.36%

180 days dividend penalty

60 month

1.60%

1.61%

180 days dividend penalty
72 month 1.65% 1.66% 180 days dividend penalty
84 month 1.70% 1.71% 180 days dividend penalty
120 month 1.80% 1.81% 180 days dividend penalty

 

  • Dividends are calculated using the Daily Balance Method and are compounded and credited monthly

  • ROTH IRAs and Coverdell Savings Accounts are available - Call for details

  • IRA Certificate rates are subject to change daily

 

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