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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 

April 2, 2018

  • Term

    Rate

    APY

    Early Withdrawal Penalty

    91 day

    .25%

    .25%

    90 days dividend penalty

    6 month

    .30%

    .30%

    90 days dividend penalty
    7 month .35% .35% 180 days dividend penalty
    9 month .45% .45%

    180 days dividend penalty

    12 month

    .55%

    .55%

    180 days dividend penalty

    15 month

    .70%

    .70%

    180 days dividend penalty

    18 month

    .65%

    .65%

    180 days dividend penalty

    24 month

    .70%

    .70%

    180 days dividend penalty

    25 month

    .85%

    .85%

    180 days dividend penalty

    30 month

    .80%

    .80%

    180 days dividend penalty

    36 month

    .85%

    .85%

    180 days dividend penalty

    39 month

    1.00%

    1.00%

    180 days dividend penalty

    48 month

    1.00%

    1.00%

    180 days dividend penalty

    60 month

    1.25%

    1.26%

    180 days dividend penalty
    72 month 1.30% 1.31% 180 days dividend penalty
    84 month 1.35% 1.36% 180 days dividend penalty
    120 month 1.45% 1.46% 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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