Fraud Alert

The financial industry is experiencing a significant increase in fraudulent activities and scamming attempts to access personal account information. DFCU will never contact you asking for your PIN, Password, or other account credentials. If you have any questions about your account, contact DFCU at 800-326-3328. To learn more about protecting yourself from fraud, click here

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
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Retirement Rates


IRA Savings Account

0.20% APY

Call to Open an Account ›
IRA Regular ($500 minimum)
Share Certificate TermRateAPYLoyalty RateLoyalty APY
3–5 Months0.05%0.05%0.05%0.05%
6–11 Months0.05%0.05%0.20%0.20%
12–23 Months0.05%0.05%0.30%0.30%
24–35 Months0.10%0.10%0.40%0.40%
36–47 Months0.15%0.15%0.55%0.55%
48–59 Months0.25%0.25%0.65%0.65%
60 Months0.35%0.35%0.75%0.75%
IRA Jumbo ($75,000 minimum)
Share Certificate TermRateAPYLoyalty RateLoyalty APY
6–11 Months0.05%0.05%0.20%0.20%
12–23 Months0.05%0.05%0.30%0.30%
24–35 Months0.10%0.10%0.40%0.40%
36–47 Months0.15%0.15%0.55%0.55%
48–59 Months0.25%0.25%0.65%0.65%
60 Months0.35%0.35%0.75%0.75%

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.
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Account Requirements

  • Membership and eligibility
  • IRS requires annual withdrawals from Traditional IRAs starting at age 72
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