IRA Certificates of Deposit Rates

Our higher rates make the wait worthwhile.

When you're busy living your life in Texas, it's hard to commit to saving money you won't use for years or even decades. But trust us, someday you'll be glad you made the effort. Even more so when you can get the type of attractive returns that DATCU offers on its half-dozen different IRA Certificates of Deposit.

Build for the Future with an IRA CD

Term Interest Rate APY*
6 months 0.80% 0.80%
12 months 1.00% 1.01%
24 months 2.00% 2.02%
36 months 2.30% 2.32%
48 months 2.00% 2.02%
60 months 2.00% 2.02%
*A minimum deposit of $1,000 is required to open, maintain and earn interest on a certificate of deposit. You must maintain a minimum balance of $1,000 throughout the term of your CD, or your CD must be redeemed. APY is earned when interest is posted to your CD. APY=Annual Percentage Yield. A penalty may be imposed for early withdrawal and could reduce earnings on the account. APY is accurate as of 7/28/2022.