A big dream doesn’t have to come with big risk.
An IRA Certificate Account is a secure way to save for your golden years. Similar to a traditional certificate account, your funds are locked in for a predetermined term while earning higher dividend rates.
To open an IRA Certificate Account, visit a Hughes branch near you or call us at 520-794-8341.
Please note that Hughes does not allow Required Minimum Distributions (RMD's) from IRA Certificate Accounts.
Share Insurance Coverage Overview
Learn how your deposits are insured
Rates
3.82% APY*
12 Mo. IRA Certificate • $1,000 Min. Deposit
3.87% APY*
12 Mo. IRA Certificate (Mini-Jumbo) • $50,000 Min. Balance
3.92% APY*
12 Mo. IRA Certificate (Jumbo) • $99,000 Min. Balance
3.61% APY*
24 Mo. IRA Certificate • $1,000 Min. Deposit
3.67% APY*
24 Mo. IRA Certificate (Mini-Jumbo) • $50,000 Min. Balance
3.72% APY*
24 Mo. IRA Certificate (Jumbo) • $99,000 Min. Balance
3.46% APY*
36 Mo. IRA Certificate • $1,000 Min. Balance
3.51% APY*
36 Mo. IRA Certificate (Mini-Jumbo) • $50,000 Min. Deposit
3.56% APY*
36 Mo. IRA Certificate (Jumbo) • $99,000 Min. Balance
Features & Benefits
- Minimum balance is $1,000
- Earn more with competitive rates
- Insured by NCUA
Easy Start
Open an account with as little as $100.
Peace of Mind
Your savings are insured by NCUA, up to $250,000.
FAQ
IRA Certificate Accounts Frequently Asked Questions
You may join Hughes Federal Credit Union if you:
- Live, work, worship or attend school in Tucson
- Are employed by one of our Select Employer Groups
- Have a family / household member who is a member of Hughes: Family member – a spouse, child, sister/brother, parent, grandparent, grandchild, stepparent, stepchild, stepsister/brother, or adopted child. A household member is a person living in the same residence sharing household expenses.
- Make a small donation to one of the following community Special Interest Groups:
- Friends of the Oro Valley Public Library
- Friends of the Pima County Public Library
- Friends of the Kirk Bear Canyon Library
Disclosures
Effective Date: 10-01-2024
*APY = Annual Percentage Yield. IRA Certificate Accounts are compounded daily and credited monthly. Minimum Balance required to open an account and earn the posted APY. There is a substantial penalty for early (premature) withdrawal of Certificate Account funds. There may be a government penalty for early withdrawal of IRA funds. Please reference Share Accounts Information and Disclosure and/or contact a Credit Union employee for additional information. Rates and terms are subject to change at any time. Fees may reduce earnings.