Whatever your retirement plans may include – touring the coasts, serving a mission, or visiting grandchildren around the country – we can take the stress out of planning with retirement savings options.

Traditional IRAs

Tax deductible contributions with interest earnings tax-deferred until withdrawal.**

Roth IRAs

Tax free interest earnings with a qualified distribution**

Retirement Plan Rollovers

Whether you’re moving a 401(k) from a previous job, consolidating all of your retirement accounts into one manageable account, or just making sure you have the right mix of investments, Deseret First has the right IRA for you.

Benefits

  • Long-term savings.
  • Tax advantages*.
  • Pain-free management.
  • Recently increased contribution limits.
  • Savings and Share Certificate options.
  • IRAs are federally insured by the NCUA up to $250,000, separate from other deposit accounts.

Requirements

  • Membership and eligibility.
  • Must be under age 70½ to make out-of-pocket contributions to Traditional IRAs.
  • IRS requires annual withdrawals from Traditional IRAs  starting at age 70½.

APPLY NOW

For questions or to apply, call 801-456-7000 or 1-800-326-3328 weekdays: 8am-7pm, Sat: 9am-2pm or visit any Deseret First Branch.

REGULAR

$500 MINIMUM

Standard Rates Loyalty Rates
Rate APY Rate APY
3-5 Months 0.15% 0.15% 0.15% 0.15%
6-11 Months 0.698% 0.70% 0.698% 0.70%
12-23 Months 1.242% 1.25% 1.242% 1.25%
24-35 Months 1.440% 1.45% 1.440% 1.45%
36-47 Months 1.735% 1.75% 1.735% 1.75%
48-59 Months 1.980% 2.00% 1.980% 2.00%
60 Months 2.567% 2.60% 2.567% 2.60%

JUMBO

$75,000 MINIMUM

Standard Rates Loyalty Rates
Rate APY Rate APY
6-11 Months 0.698% 0.70% 0.698% 0.70%
12-23 Months 1.242% 1.25% 1.242% 1.25%
24-35 Months 1.440% 1.45% 1.440% 1.45%
36-47 Months 1.735% 1.75% 1.735% 1.75%
48-59 Months 1.980% 2.00% 1.980% 2.00%
60 Months 2.567% 2.60% 2.567% 2.60%
Rates quoted as Annual Percentage Yield. The APY applies to balances beginning at $.01. Federally insured by NCUA. Early withdrawal penalties may apply.
*Loyalty accounts are defined to include (1) an active checking account demonstrating that DFCU is the member’s primary financial institution for a minimum of 90 days, and (2) has Direct Deposit with the majority of the member’s payroll for a minimum of 90 days.
**Consult your tax adviser

Put Money Back in your Wallet

We have VISA Credit Card options that reward you for using that card! Find out how you can spend money and earn rewards!

 

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MOBILE DEPOSIT!

Use our mobile app to deposit a check into your account, right from your phone! Anytime, Anywhere! It’s FREE!

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Saving for a MISSION?

We have a specific account designed to help future missionaries save. Check out the higher interest rate!
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