Whatever your retirement plans may include - touring the coasts, serving a mission, or visiting grandchildren around the country - we can take the stress out of planning with retirement savings options.

Traditional IRAs

Tax deductible contributions with interest earnings tax-deferred until withdrawal.**

Roth IRAs

Tax free interest earnings with a qualified distribution**

Retirement Plan Rollovers

Whether you're moving a 401(k) from a previous job, consolidating all of your retirement accounts into one manageable account, or just making sure you have the right mix of investments, Deseret First has the right IRA for you.

Benefits

  • Long-term savings.
  • Tax advantages*.
  • Pain-free management.
  • Recently increased contribution limits.
  • Savings and Share Certificate options.
  • IRAs are federally insured by the NCUA up $250,000 separate from other deposit accounts.

Requirements

  • Membership and eligibility.
  • Must be under 70½ to make out-of-pocket contributions to Traditional IRAs.
  • IRS requires annual withdrawals from Traditional IRAs  starting at age 70½ from.
For questions or to apply, call 801-456-7000 or 1-800-326-3328, M-F, 9 am-5:30 pm or visit a Deseret First Branch.

**Consult your tax advisor

Share Certificate Rates

Regular & IRA, $500 Minimum

Maturity Standard
Rate
Standard
APY
Loyalty
Rate
Loyalty
APY
3-5 Months 0.15% 0.15% 0.15% 0.15%
6-11 Months 0.25% 0.25% 0.25% 0.25%
12-23 Months 0.45% 0.45% 0.45% 0.45%
24-35 Months 0.70% 0.70% 0.70% 0.70%
36-47 Months 0.95% 0.95% 0.95% 0.95%
48-59 Months 1.24% 1.25% 1.24% 1.25%
60 Months 1.98% 2.00% 1.98% 2.00%


Jumbo & IRA Jumbo

$75,000 Minimum

Maturity Standard
Rate
Standard
APY
Loyalty
Rate
Loyalty
APY
3-5 Months N/A N/A N/A N/A
6-11 Months 0.25% 0.25% 0.25% 0.25%
12-23 Months 0.45% 0.45% 0.45% 0.45%
24-35 Months 0.70% 0.70% 0.70% 0.70%
36-47 Months 0.95% 0.95% 0.95% 0.95%
48-59 Months 1.24% 1.25% 1.24% 1.25%
60 Months 1.98% 2.00% 1.98% 2.00%
Rates quoted as Annual Percentage Yield. The APY applies to balances beginning at $.01. Federally insured by NCUA. Early withdrawal penalties may apply. *Loyalty accounts are defined to include (1) an active checking account demonstrating that DFCU is the member's primary financial institution for a minimum of 90 days, and (2) has Direct Deposit with the majority of the member's payroll for a minimum of 90 days.

visa credit cards that pay you

Deseret First has Visa Credit Card options that put money back in your wallet.
 
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Free insurance for members

As a member, you are eligible to receive free Accidental Death and Dismemberment coverage.
 
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Prepare for your child's future

Deseret First Investments can help you save for college, missions or weddings.
 
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our free mobile app is here

The Deseret First mobile app allows access to your accounts anytime, anywhere. Check balances, transfer funds, or deposit a check!
 
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mobile deposit is here!

Use our FREE mobile app to deposit a check into your account, right from your Apple or Android phone! Anytime, Anywhere!
 
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