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

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 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*.

Provide Your Future

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Retirement Rates

IRA Savings Account

0.20% APY

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IRA Regular ($500 minimum)
Share Certificate Term	Rate	APY	Loyalty Rate	Loyalty APY
3–5 Months	0.25%	0.25%	0.25%	0.25%
6–11 Months	1.00%	1.00%	1.49%	1.50%
12–23 Months	1.93%	1.95%	2.42%	2.45%
24–35 Months	2.18%	2.20%	2.66%	2.70%
36–47 Months	2.37%	2.40%	2.86%	2.90%
48–59 Months	2.47%	2.50%	2.96%	3.00%
60 Months	2.57%	2.60%	3.05%	3.10%

IRA Jumbo ($75,000 minimum)
Share Certificate Term	Rate	APY	Loyalty Rate	Loyalty APY
6–11 Months	1.00%	1.00%	1.49%	1.50%
12–23 Months	1.93%	1.95%	2.42%	2.45%
24–35 Months	2.18%	2.20%	2.66%	2.70%
36–47 Months	2.37%	2.40%	2.86%	2.90%
48–59 Months	2.47%	2.50%	2.96%	3.00%
60 Months	2.57%	2.60%	3.05%	3.10%

Account Advantages

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

Flexible Savings or Share Certificate

Annual, monthly or bi-weekly contributions

Federally insured by the NCUA**

Tax-free Interest*

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.

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Account Requirements

Membership and eligibility
Must be under age 70.5 to make out-of-pocket contributions to Traditional IRAs
IRS requires annual withdrawals from Traditional IRAs starting at age 70.5

Apply online today! For questions or to apply directly with a representative, call 801-456-7000 or 800-326-3328. Available weekdays: 8am–7pm, Sat: 9am–2pm. Additionally, you may visit any Deseret First Branch.

“I have been a member of Deseret First Credit Union for over 20 years. Never once during that time have I considered changing to another financial institution. I have utilized many services offered by DFCU… Representatives of DFCU have even contacted me when a new rate or product would be to my benefit – now, that is going above and beyond!”

— Jamie Glenn

“We opened savings accounts for each of our six children when they were little… When they entered the university they expanded those services to checking accounts and car loans. So I can say we have our whole family with DFCU, a tradition we hope to pass on for future grandchildren. Thanks DFCU for your faithful service all these many years.”

— Guillermo & Mary Antivilo

“What I have found with [Deseret First] Credit Union is honest employees who have been fair with me and my requests. They have been helpful in finding the BEST solution for my needs, not just for their gain. I appreciate that I have say in who represents me on the board. I encourage the credit union to govern with true principles as they run the business. Thank you for being a place that I have confidence in.”

— Julie Merrill

Build your nest egg today!

Invest In Your Future