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!

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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*.

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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 TermRateAPYLoyalty RateLoyalty APY
3–5 Months0.25%0.25%0.25%0.25%
6–11 Months0.85%0.85%1.34%1.35%
12–23 Months1.69%1.70%2.42%2.45%
24–35 Months2.18%2.20%2.66%2.70%
36–47 Months2.37%2.40%2.86%2.90%
48–59 Months2.57%2.60%3.05%3.10%
60 Months2.76%2.80%3.25%3.30%
IRA Jumbo ($75,000 minimum)
Share Certificate TermRateAPYLoyalty RateLoyalty APY
6–11 Months0.85%0.85%1.34%1.35%
12–23 Months1.69%1.70%2.42%2.45%
24–35 Months2.18%2.20%2.66%2.70%
36–47 Months2.37%2.40%2.86%2.90%
48–59 Months2.57%2.60%3.05%3.10%
60 Months2.76%2.80%3.25%3.30%

Account Advantages


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

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Flexible Savings or Share Certificate

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Annual, monthly or bi-weekly contributions

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Federally insured by the NCUA**

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Tax-free Interest*

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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.


Build your nest egg today!

Invest In Your Future