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IRA Rates

All rates are as of Apr 23, 2014 and are subject to change without notice. Certain conditions and restrictions may apply. Please call 1-888-4WESCOM (1-888-493-7266) for details and current rates.


Certificate Accounts Min. Balance Div. Rate APY
Both Roth and Traditional IRAs
3-Month IRA $500 0.30% 0.30%
6-Month IRA $500 0.35% 0.35%
12-Month IRA $500 0.40% 0.40%
18-Month IRA $500 0.45% 0.45%
24-Month IRA $500 0.65% 0.65%
36-Month $500 1.00% 1.01%
48-Month $500 1.25% 1.26%
60-Month $500 1.75% 1.77%

Penalty for Early Withdrawal.

IRA Tier Plus Money Market Div. Rate APY
$1 - $9,999 $0 0.12% 0.12%
$10,000 - $24,999 $0 0.13% 0.13%
$25,000 - $49,999 $0 0.16% 0.16%
$50,000 - $99,999 $0 0.18% 0.18%
$100,000 + $0 0.20% 0.20%
IRA Asset Maximizer** Div. Rate APY
$1 - $9,999 $0 0.22% 0.22%
$10,000 - $24,999 $0 0.23% 0.23%
$25,000 - $49,999 $0 0.26% 0.26%
$50,000 - $99,999 $0 0.28% 0.28%
$100,000 + $0 0.30% 0.30%

APY = Annual Percentage Yield. Rates subject to change without notice.

* The Transitional IRA is for new deposits received from a Qualified Retirement Plan, such 401(k) and 403(b) accounts, or an IRA from another institution. This account lets you deposit those funds for three (3) months, while you examine the options that best fit your long-term needs.

** Must maintain the required minimum balance of $10,000 in the Qualifying Wescom Financial Services Investment Account (QWFSIA) in order for the IRA AMA to obtain the increased dividend rate stated above. If the QWFSIA balance falls below $10,000, the AMA will convert to a Tier Plus Money Market Account and will earn the applicable dividend.