Information and Alerts

Retirement Savings


Stress-free retirement planning

Offering both Roth & Traditional IRAs

What are you dreaming about? Touring the coasts, serving a mission, visiting grandchildren around the country, or watching your favorite show… No matter your choice, we want to help you build a worry-free future. An IRA can help you get there. An Individual Retirement Account is a specialized product used to save for retirement. Additionally, they may have higher return rates compared to a typical savings account. So you can look to DFCU for all your retirement needs!

Traditional IRA

Traditional IRA

Contributions to a Traditional IRA may be fully or partially tax deductible*. Your deductible contributions and account earnings are not taxed until you make withdrawals in your retirement*.
ROTH IRA

Roth IRA

Roth IRAs are similar to Traditional IRAs, but contributions are not tax deductible. Because you pay taxes on the money you put into a Roth IRA, you do not pay taxes when it’s time to withdraw at retirement age*. Earnings on your Roth IRA may also be tax free*.
In order to open an IRA you will need to come into a branch or give us a call!
Find a Location Near Me Call Deseret First
elderly couple walking down a path together

Retirement Rates


IRA Savings Account

0.20% APY

Call to Open an Account ›
IRA Regular ($500 minimum)
Share Certificate TermRateAPYLoyalty RateLoyalty APY
3 Months0.05%0.05%0.05%0.05%
6 Months5.12%5.25%5.12%5.25%
12 Months5.12%5.25%5.12%5.25%
24 Months4.40%4.50%4.40%4.50%
36 Months3.92%4.00%3.92%4.00%
48 Months3.92%4.00%3.92%4.00%
60 Months3.92%4.00%3.92%4.00%
IRA Jumbo ($75,000 minimum)
Share Certificate TermRateAPYLoyalty RateLoyalty APY
6 Months5.12%5.25%5.12%5.25%
12 Months5.12%5.25%5.12%5.25%
24 Months4.40%4.50%4.40%4.50%
36 Months3.92%4.00%3.92%4.00%
48 Months3.92%4.00%3.92%4.00%
60 Months3.92%4.00%3.92%4.00%

Account Advantages


At Deseret First, we do our part to take your money further.

Flexible Savings

Flexible Savings or Share Certificate

Bi-weekly

Annual, monthly or bi-weekly contributions

Federally Insured

Federally insured by the NCUA**

Tax-Free

Tax-free Interest*

Easy Access

Easier access through DFCU


Rates quoted as Annual Percentage Yield. The APY applies to balances beginning at $0.01. Federally insured by NCUA. Early withdrawal penalties may apply. *Consult your tax advisor. **Deposit accounts are federally insured by the NCUA up to $250,000.
senior couple shaking hands with a financial advisor

Account Requirements

  • Membership and eligibility
  • IRS requires annual withdrawals from Traditional IRAs starting at age 73
For questions or to apply directly with a representative, you may visit any Deseret First Branch or call 801-456-7000 or 800-326-3328. Available weekdays: 8am–7pm, Sat: 9am–2pm.

Build your nest egg today!

Invest In Your Future